I do hesitate to deal in monoliths, but if capital were a monolith and could shape society to fit its will, using housing in particular as a debt-trap would be a good way to go about it. People want to buy a house if at all possible for many sound reasons. When they can barely afford the house they are living in that it sets them in sets them in socioeconomic concrete. In the face of stagnant wages, prices of houses, at least in the ‘middle class’, should also be stagnant, but ‘capital’ is also actively ‘investing in’ housing, making sure that does not happen.