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It's not a god given right - it's just logic. If a median income earner can't buy a median home then who is buying it? A high income earner? If a high income earner is buying a median home then who is buying the high end homes? If a median income earner is buying a low end home then what...

No - it always boils down to income. Debt will plug the hole for a while but eventually it will hit your income when it needs to be paid back. Lets say the supply / demand fundamentals were such that an average house was $1,000,000,000,000,000. Trouble is I can only work 24 hours a day ...