Not that I don't emphasize with your struggle - I just want to point out that there are people stuck in those "starter homes" with 5 or more kids who could really benefit from a 5 bedroom upgrade because they're at a point in their lives where they can afford it and they need it. The housing crisis we're living through produces victims up and down the income ladder.
Also this whole problem can be traced back to our absurd zoning laws blanketing most of California and the US. Still the boomers' fault, but not for decisions they're making today. Most of them are screwed right along with the rest of us. :(
Extremely wasteful - and that's to say nothing of the obvious climate impacts from said waste. It's one hell of a drawback to what I would otherwise describe as a system that works pretty well.