How has it become so difficult to have a place to live?

Houses and other items prices have not gone up a bit, expressed in a stable value such as gold, is the money that lost value in front of real comodities such as gold, so your question is wrong, it is not more expensive to live those days, it is the money that lost their value, so your time that you give in exchange of money.

Time to shift to real value again, stop working against FIAT or Cripto or CBDC currencies, stop saving in those currencies, stop dealing in those curencies.

They are designed to be manipulated against you, like casino games, the house always wins, you always loose, except sometimes to keep you interested in staying in the casino and constantly loosing, than you occasionally win to tease yo back in.

And constantly loose.