Humanity wants housing to come down, and under the debt based model this is not possible, but under a needs-based system, the cost of housing will continue to depreciate.
To bring it down, we had to separate the house from the land which we do through a co-op agreement where the two shares are specified as land only, and the fixtures only.
This is specific which provides lenders the security required, and it creates the responsibility that each share holder will have.
So how does this help? Easy, when we begin with a new million dollar home, the land is worth 650k and the house build was 350k, so the Guardian Right value begins as 350k and then depreciates by 10% per annum from then on.
Just like a car leaving the lot, houses also depreciate when they are rental properties, but until now, any property in the system, whether it is vacant land, a derelict or flood affected home, or a normal house and land, this will guide humanity to have houses that over time will cost nothing to occupy.

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