Owning your own home was a sign of success for Americans, and then was ratcheted up as people were expected to get successively bigger and supposedly better homes. That attitude was forced to change by the housing crisis, and has stuck. Number one and two on American’s measures of success are retirement savings and securing a future for their children. Housing is number three. Too many people doubt America’s future, so they are concentrating on securing their own. A house can help do that, but tight lending, damaged credit ratings, too much debt, and too little wage growth has de-emphasized the dream of home ownership. The only segment of the population that looks forward to owning a home are young people, and they are challenged with student debt, low entry-level wages, and too many cautionary tales.