Do you expect it to be commonplace that someone who starts living in a college dorm will still be there in 10 years? I hope they'd graduate by then, and failing that it seems likely they'd run out of debt to continue funding education.

Meanwhile, 'the golden days' of the American Dream included a stable house that lasted most of an adult's life, and maybe moving again at retirement. It also included a career track at a corporation that continued to pay well as an employee developed into a more valuable 'resource'. (back before Human Resources wasn't as transparently about harvesting all the value they could...)