Except if no-one is “passing” the threshold to buy a house, the rules to buy a house will change.

Sure, in the long term, that is a possibility. But if you want to buy a home in the next 5–10 years, you can’t really count on that changing. Friends of mine found it really difficult to buy a house last year because the husband had essentially no credit history (didn’t have student loans or anything, had never had a credit card).