I imagine our primitive ancestors in the canopy having near death experiences every day just to get food and shelter. When was the last time you had a near death experience?
Could things be better than they are right now? Probably. But you'll never completely eliminate struggle and pain in this universe, unless you eliminate all life
That's because we didn't built enough housing. And that's solely due to politics and a lot of questionable policies based upon science that the lawmakers often don't understand. There have been housing crises in every type of economic system.
Also, capitalism is the natural state of how humans operate. Money literally predates writing and the first pieces of writing we have are sales invoices.
I imagine you imagine our primitive ancestors in the canopy, glancing at their iPhones to see how their property value is doing.
But the truth is, we didn't even have this level of thoroughgoing, casual precarity as recently as fifty years ago.
Or even twenty.
There was a time, even in my memory, where rents were tolerable and housing within reach.