Perhaps it is a bit of both, with an emphasis on the latter. In any case, though, the fact that increasing numbers of us can't afford a place to live that they can call their own is not a good sign at all. And now that the world is entering permanent crisis mode, do you really think economic conditions are going to be anywhere, ever again, even close to smooth sailing? And even if general conditions were more devoid of crazy fluctuations do you think markets wouldn't come up with even more imaginative ways to destabilize? With all of this new found desire to "disrupt" the status quo competition wise?
What is truly amazing here for me is that Capitalism provides someone like me, virtually every day, ever more indications of just how miserably unstable it is; of how grossly it flaunts its inequality of outcomes, and yet the rest of us seem to be unable to acknowledge this fact. And it doesn't look like this will change unless enough of us can find the courage to start speaking up about it everywhere we can.