Lmao. You realize that not everyone can mod, like if they're playing on a console? Also, how is modding better balance into a game the job of the consumer who already paid $60-70 for a product? Not to mention how modern modding (love it though I do) has game companies actually getting away with pushing out a subpar product at a premium price, and then actually getting DEFENDED for it (like right now).
The absolute state of modern gaming.
Rates shouldn't have been so low in the first place. Home loans have basically been free money for the wealthy to acquire houses as assets in a sick fucking get-rich-quick scheme, where the consequences have been no one being able to afford homes. Now all we need is a tax on unoccupied homes.