Well I wouldn't describe myself as a capitalist per se. I don't believe there's infinite resources but I do believe there are better, more efficient ways of distributing them - especially with housing. We definitely live in 3d space, I don't really know what this comment is referring to or it's use.

Probably a bit of both, insane and delusional, but I also think imagining a better solution requires a smidge of both.

Again, your loan comment doesn't make much sense to me because you failed to contributing a meaningful comment - you could elaborate but I suspect you don't believe government financing is a thing? Or that interest rates can be zero? I'm not really sure, but I can elaborate my original concept - because I'm not an Internet troll and I genuinely want people to imagine and work towards a better future.

Houses are expensive products, we can agree on that, even if they weren't investment vehicles it takes a team of people months to construct a good house and a lot longer for an apartment or larger complex. Since everyone should be able to own their home, pretending for second we went so far as to abolish the concept of renting, we would need people to be able to afford housing immediately upon becoming an adult and choosing to live somewhere else. Normally we think of this as rent, we pay someone else's mortgage with our money because we didn't have the capital to purchase it directly in the past. I. My proposed future, there'd be no landlords to pay mortgages for, so we'd take out our own mortgage to pay for our housing.

Now I think this is where people imagine today's mortgages and systems being imposed on an 18 year old and think that's foolish. That's why i clarify housing as a product instead of an investment vehicle is cheaper, and housing as a right or a goal of society means mortgages aren't for profit. So someone buys a home that costs less than todays home using a loan who's interest is less than todays interest - likely the first from the previous owner, construction company, or the government and the second from some level of government.

It's how loans work but instead of for profit they're for the betterment of society. We do this all the time for various reasons today. The PPP loans being forgiven is one example, so is 0% student loans, and if the government wanted to charge 1-2% interest for a good reason we have historical precedent to that as well. Idk what about this is so hard to understand for you but hopefully this helps. :p