i'm not smart enough to have a solution to something like this, but killing people with interest certainly isn't the solution. there's just a lock on the market right now. the older generation aren't leaving their home at a similar rate in the past, people are in no rush to buy due to rates. when houses do come on the market, there's still bidding wars, (i think no as bad) and the over pay happens. maybe lowering the rates will get people to become comfortable with buying and selling again, opening the market and lowering prices. more homes on the market, the less bidding, the lower the price, etc. this isn't just a biden issue. it's just to easy to place blame that way.