I've been tracking housing prices in my metro area for three years now, and the so-called correction everyone predicted never really arrived—values are up 12% since last year, just slower than the boom. My question is: should we actually hope for a crash, or is stability the better outcome? Because while a dip might help first-time buyers like my sister, it would wipe out equity for retirees who've planned their whole future around selling. What do you think—is affordability more important than protecting existing homeowners, or are we all just playing a game we can't win anyway?