BlockBeats 消息，12 月 7 日，《金融时报》发布文章称，美国持续恶化的住房负担能力，正深刻改变 Z 世代的理财与消费行为，甚至推动部分年轻人转向加密货币投机，并产生“经济虚无主义”情绪。住房价格收入比失衡已成为影响年轻人经济行为的核心力量。面对遥不可及的买房目标，部分年轻人选择“躺平”、减少储蓄并更频繁投资高风险资产如加密货币。调查显示，认为买房不现实的年轻人更可能出现三种行为：储蓄减少、工作动力下降、加大投机性投资。相反，仍相信未来能买房的年轻人会更积极储蓄与规划，因为对目标的信念改变了激励机制。
文章强调，随着买房机会成本飙升，越来越多年轻人将时间与金钱投入即时反馈更高的领域，如投机市场。为了逆转趋势，政策需直接改善住房供给与价格，例如：
放宽建房限制增加可负担住房建设优化土地使用规范FT 认为，提高年轻人的金融素养也至关重要，包括预算管理、投资基础、风险判断、长期储蓄规划等技能，这将决定他们未来能否实现购房目标。
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