Were real estate and stocks merely 100% propped up by the Fed for the last 7 years?  

It's not merely $20k in debt.

With that some of the population is merely passing away and not being replenished with new family formation like previous decades.

A mere 5% drop in value causes these homeowners to be wiped out.Even better is when they see after a year, a 10-20% equity build up and they decide to take a HELOC for vacation.

I dont run the MLS, I am merely a member. 

According to a 1993* survey of 150 U.S. and Canadian medical schools, for example, only 14 percent of modern oaths prohibit euthanasia, 11 percent hold convenant with a deity, 8 percent foreswear abortion, and a mere 3 percent forbid sexual contact with patients—all maxims held sacred in the classical version.

I will say that I've done just under 2,000 claims and with a homeowner's policy I've yet to personally deal with a carrier who didn't take very good care of their policy holder when they had a total loss fire.

Been dabbling in the stock merely a little.

Nope, I’m merely providing a service people are willing to pay for, doesn’t mean I have to use it much.

I agreed to about half, but most were merely punch out items.