Good point. In most modern cities, the only individualistic solution to escape eternal rent-slavery (forgive the strong word) is to become rich.
A collectivist solution would be to coordinate with other citizens to abolish the building/zoning restrictions and savings devaluation enforced by local and national governments, that cause the constant real estate price inflation in the first place.
Since most governance schemes favor entrenched players, there's a natural tendency for policies resulting in pyramid schemes to emerge.
The first step is to educate enough people around this issue, so that some opportunistic countries/cities can become competitive at attracting residents using fairer policies as a differentiator.
A collectivist solution would be to coordinate with other citizens to abolish the building/zoning restrictions and savings devaluation enforced by local and national governments, that cause the constant real estate price inflation in the first place.