It is not your fault that you can't afford real estate.

It is actually not central banks fault, or even immigration.

Interest Rate has to be low because industry will be dead if we raise the rate and there will be massive job loss.

It is not immigration fault either as most countries still see surging real estate price without immigrationigration, I.e Taiwan.

It is defintely not millneiun fault as we are just caught at the end of asset bubble created by massive printing on order to keep jobs

Whose fault is it? It is actually government. There are tons of fiscal policy needs to be done to cool the speculation.

Speculation tax where any foreign ownership of people who own multiple property gets taxed like crazy.

Investment tax, have the whole investment property gain to be fully taxable instead of 50%.

Raise property tax to make ownership to be expensive.

These obviously are not going to be popular politically, which is why we have this housing issues everywhere. All the 4th have done is to raise capital for CMHC which makes demand even stronger.

It is up to you to force government to take measure of the federal level.