Even kid these days don't want to have kid , they'd rather playing video games LOL It is affecting more than finances, real estate and crypto.

Imagine if we were trading stocks or currency and all we did was talk about the magic and positives of margin trading, without ever talking about the negatives.    

In the 90s, the Asian currency crisis saw the value of people's stocsk and their money suddenly falling up to 80 to 90%.

Additionally, regulations are also set by regulatory agencies, FDIC, Comptroller of Currency and beyond that Fannie Mae, Freddie Mac, USDA, FHA, VA and SBA can and will go further by region or market area.As to seller concessions, generally if concessions do not exceed 2 to 3 % of the sale price adjustments are not made but in the narrative section the appraisal will mention that closing costs were paid by the seller (in comp 2, for example), but if it is not significant it may not be.This does not preclude the appraiser from investigating the terms of any sale.

Take the Forex Market( the foreign exchange market) where people buy and sell currencies.

Stiff the seller with the property if housing prices fall during a depression as other advocate in their "mirrored strategies" currency hedge (or in other scenarios where the note is called and the deed is offered to either the seller or the lender)or 2.

People paid good money for data on crypto.

There are lots of U.S.A. residents with ocean front summer homes along the cost line of New Brunswick and Nova Scotia.It will be more expensive - real estate prices are significantly higher here than much of your domestic market - but at the moment you could convert currency and capture a 25-27% gain.The Windsor corridor probably makes the most sense for you, but if you decided you would like to look down east, let me know and I'll see if I can help.

To your final question: crypto is very volatile, yes.  

I confirmed in writing that company policy was to not lend to any federally illegal industries, and went a step further to say we will not lend to any crypto or similar industry that could be evading US banking restrictions (and thus BSA/AML regulations).In the end I was given a flat rejection by 3 major banks, 2 credit unions, and two online banks with no chance to explain my case before a credit union (who had told me no originally) saw the light.