How Policies Favor the Wealthy

The fact that it is far more profitable for billionaires to own houses for long times with no use whatsoever and that they can even afford to (it's not billionaires, it is private equit firms owned by banks like JP Morgan), alongside other things, is where things are going wrong. You have to go a bit deeper than they are buying houses. You need to look at ''why is it thhat they can do this?'' and ''why is it that they do, do this?''
If everyone was allowed to build their own house without approval and to sell it and so on, and if everyone was allowed to keep most of their money, and if everyone was allowed to set their own wages and so on, what do you think would happen if billionaires were indeed doing what you are saying they are doing? They would immediately lose out because it would become insanely more worth it to go for a hosue built for you contract, to build one yourself, and so on. In this current system with a government that enables the laws of the wealthy (nobody ever outlobbies or outinfluences the wealthy when it comes to politics), you will not get approval for years, if you even do, you will have to make countless meaningless revisions, your self expression is limited, the wages you can hire others to do have a minimum, so you can afford it less and less, and on top of that, it is straight up illegal for you to do unless you spend years of your time going to school and getting certificates and so on. Worse yet, every industry is plagued by this. Worse yet, then there are subsidies and taxes and tariffs and so on. So the wood industry that you're buying from is likely a few monopolistic entities that are the wealthiest loggers and processors, who get subsidies from their government (you don't, even if you are a logger; not wealthy enough), who get tax laws that mostly only allow them to get away with shit (you don't, you are both moral and not wealthy enough), and who are mostly non-competitive, corrupt, and bailed out in many ways, so wood costs more.