This is a bit dry and academic, but trust me. When it comes to your pocketbook, this is probably the most valuable hour you will ever spend. I believe we're coming to a financial crunch point and it's going to hurt.
Did you catch the part about people valuing better public school districts and how that drove up home values too high. Yes, there is such a thing as too high just like there is such a thing as too low. Spending too much on the basics is doing damage to our economy that we may now realize all too late. We need a housing market correction or our economy will bear an even bigger shock very, very soon. The best way to do that is deregulate public schools and giving parents vouchers. Unlike the guest author, I don't think that re-regulating the banks is going to help. That's tinkering too much. Undo the bankruptcy laws of 2000 and deregulate schools. That will save our bacon by bringing things down slowly. It's either that or everyone should start homeschooling.
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