“Another way to look at their downward spiral is as a parable of a housing market that is not primarily intended, or even incentivized, to actually house people. “We don’t finance housing in this country,” says Ron Shiffman, a city planner and tenured professor at Pratt’s School of Architecture. Instead, housing serves as a “financing tool.” The market encourages buyers, whether Saudi princes or the owners of yoga studios, to treat homes like banks, as places to put their money, whether or not they actually live in them.”