You don’t need to “be able to afford a house” if it’s not a free market. But somehow this idea seems unconceavable.
Oh so what you’re suggesting is that everyone gets the same government owned apartment… Social housing and cooperatives are already a thing though and it can coexist with a free market, no need to kill people by destroying the economy.
That’s not what I’m suggesting. You don’t seem very creative about how it can work. Or false alternative is more comfortable to accept this fucked up situation that is already killing people.