Banning Usury maybe but not mortgages because without mortgages houses couldn't be built really, I mean yes people could save up but the rate at which housing would be built, or the quality of housing would be reduced. Borrowing money now allows housing as a good to be built now, and borrow against the future, people need houses now, not in 30 years when they could afford to get one built. Even Dave Ramsey who's the most prolific anti-debt person in the world makes an exception of sorts for mortgages. I get that you're upset about housing prices, and artifical demand driven by cheap loans but the bigger issue is zoning laws which restrict supply.