I'm no economist, but I've been mulling over some of the common problems the majority of citizens of modern countries are all facing.
I think that most of them (low purchasing power, high cost of living, high house prices) seem to stem from the effects of our collective activity and lack of large-scale and long-term organization and planning; it doesn't help that we've been lately -- as a society -- focused on optimizing for GDP, which is as an indicator of how well a country's economy is faring.
I'd like to say my opinion, and would welcome any educated response, but I fear a backlash or repercussion. This is something I've been thinking about in terms of game theory, and though they may seem a bit crazy, I would invite everyone to consider them before disregarding them as conspiracy theories.
I believe there is an interest in keeping the majority of people uneducated, busy and plentiful: in essence almost everyone is easily replaceable, and the majority of the population have to settle for meager wages.
However, in a scenario where people were to be educated and scarce, I posit that inequality would tend to disappear as people would have a higher bargaining power, a likelier scenario to organize or respond, and a higher quality of life.
So, even if this hurts housing, healthcare and industries indirectly (less infrastructure to be built, babies to be delivered and products to be sold), I'm glad that fertility rates are below replacement level because this indicates -- in my opinion -- that average quality of life will increase.