Canada

People who own one or two houses are not rich

If they own two, they're definitely rich, although not big-R Rich. A house to live in and a rental is basically a retirement plan all on it's own. Even one makes me think you're in the middle class and doing okay.

65% of the population owning 90% of the wealth isn’t that surprising

Agreed.

when in reality the problem comes from the government spending money wherever and not applying strict foreign home purchasing laws that keep increasing home prices.

Neither of those things have caused the housing crisis.

I have a strong feeling you're in the picture here, as a homeowner.

Edit: And neither have homeowners, to be clear. There's just physically not enough buildings, which is a problem that's being worked on.