Many people would be forced to sell though if there was a price drop, because the high prices necessitated having a very high borrowing rate (95% borrowed), and commonly at renewal (typically 5 years in Canada) mortgage terms require the borrower to pay the difference between the market value and the borrowed amount to ensure they are not more than 95% leveraged still.
This is the big problem the government has: it is very difficult to unwind this mess through policy without triggering a cascade. Likely it will come eventually, they just want to ensure it’s not their party in office when the shoe finally drops.
To get better you definitely need to prevent giving your opponent winning tactics. It’s important to study being the active side for two reasons:
1) Not always but very often spotting a winning tactic wins the game immediately
2) You develop an intuition about various piece position combinations and geometries and features that usually produce these tactics in a game.
Now consider these a problem, say white to move, and go back one move. Likely, black just made a move which enabled this tactic. It’s hard to craft a puzzle where you are asking what Black should do: the main thing is to not make the losing move, but are all other moves that avoid it just as good? Not at all!
There are lots of books that try to teach and train this, but it doesn’t fit into an efficient package like the “find the tactic” one does.
One exception here is when one side has sacrificed material for a speculative attack. In those cases just avoiding mate is a kind of puzzle that fits. I have occasionally seen some puzzles like this (eg. Attack and Defence by Aagaard) but it’s a lot more work to put together, and occurs much less often in games which is probably why it’s much less common.
It’s the same in Canada. I had to setup direct withdrawal for a strata (condo) fee by visiting my strata’s bank with a “blank cheque” (print out of a .png from my own bank’s website, trivially forged). The teller had already set up the monthly withdrawal before I reminded her she forgot to even check my ID!
It gets worse too - once I moved and wanted the withdrawals to stop, my own bank claimed there was no way they could stop them, only the withdrawing bank could cancel
it. Of course I wasn’t a signer on the strata account as I was no longer a resident, so was completely reliant on them to stop.
Legacy features doesn’t even begin cover it. Those people that keep all their money under their mattress aren’t quite as insane as you might think.
This is the big problem the government has: it is very difficult to unwind this mess through policy without triggering a cascade. Likely it will come eventually, they just want to ensure it’s not their party in office when the shoe finally drops.