The US has over the past ~40 made a system that celebrates big time winners, both of stocks, housing, etc.

There are no big time winners without big time losers.

What you are discovering now are fundamental consequences of inequality. It is not just for housing, but for all aspects of the society.

Either we celebrate the winners in an in-equal society, or we instantiate an equal society.

You can't have your cake and eat it too - neither can the losers of the Florida housing market.

Ah yes, we can have either X or Y. There's no in-between.

Any minimally intellectually inclined person can understand that it is a continuum.

So why do you suggest an either-or?

I didn't.

I setup up a dichotomy, but I didn't define what equality consistutes.

A reasonable conversationalist would interpret it as either we allow inequality with its consequences or we seek a more equal society where people are being helped out of their misfortunes.

Regardless, this is a wild detour you are taking? It is completely fine to just stop and use your time on something more productuve.