I think you meant to reply to a different comment. I talked about dividing one's life up into periods based on experience and themes, not about linguistic revisionism or Javascript frameworks.

I sat down and divided my own life into thematic epochs not long ago. Mine are split differently and more specifically to my own lived experience but I, too, arrived at the fact that I'm entering #5 in my mid-30s. Interesting coincidence!

> We will have to infantilize people until their 30s now?

People already pick and choose who they feel sympathy for and give a pass to on the basis of their personal experiences, belief system, and social proximity. Think of how many, for instance, ridicule politicians for being too saintly and enabling or mean and without empathy then give their friends and family a pass for the exact same behavior. They'll get angry with celebrities for things that they allegedly did then shrug off a driver running a red light and nearly killing them because they "don't take things personally". Addicts are a blight on society until it's somebody's child or brother or sister in which case they just need help. Et cetera ad infinitum.

People (you and I included) are fickle. This changes nothing.

> house prices [...] need to go down heavily.

As a layperson I have a feeling that's not going to happen. The working class has too much wealth tied up in their homes because US society and the government have encouraged people to treat it as a store of wealth instead of a box that shields them from the weather. People talk constantly about "getting on the property ladder", "buying more land because they aren't making more of it", "having a landlord side hustle", etc. A house is a lot more tangible than stocks so people without knowledge of finance feel much better about investing in one (understandably so - also forget about Social Security). Combine this with associated government tax subsidies and mortgage underwriting programs and you've basically created a situation where home prices can't do anything but go up.

Look at the amortization table for the proposed 50 year mortgage: borrowers wouldn't be making a dent in the principal for a good 10 or 15 years. The underlying assumption here is that people would make money via home price appreciation, i.e. speculation, not from creating an actual store of value. We already kicked this can once when the 30-year mortgage became a thing 60 years ago.

Of course one can't draw the current trend line into infinity because of affordability but I highly doubt it'll go down appreciably. I also don't know enough to have a solution to this problem - any ideas?

"Hard" by whose definition? I had to implement those in MIPS assembly and write a hash table in x86 assembly in school but I don't think I could do that today without a good deal of refresh. I'd venture to say that most software developers today wouldn't even know where to begin because most software written today targets a VM that doesn't expose pointer arithmetic.