Both. Money attracts corrupt individuals, but it also causes people to become corrupted in some scenarios. It can be a gradual thing, and it doesn’t always have to be drastic things like a black market kidney. Having money opens up options, some of which are more corrupt.
It’s going to require massive amounts of new construction to make an impact. People aren’t leaving rates in the 2s or 3s unless forced to. There’s still the shortage of new homes from COVID, that’s probably never going to be filled.