When the first family thinks of their good fortune, they are apt to chalk it up to their brilliant nose for the market. But they didn't exactly buy Wal-Mart stock in 1972. They just happened to reach the point in their lives when middle class American couples buy a house when it happened to be when all the smart money was going into Cisco Systems, not something boring like houses. So, houses were reasonably affordable. Their neighbors, those morons, reached that point six years later, when everybody knew that houses always rose in price so even if you overpaid you could always refinance.
It's interesting that their is almost no political outcry over this form of inequality. You might think that its randomness would make it seem more unfair, but randomness saps political salience. I noticed this years ago with diseases when I had non-Hodgkins lymphoma. An illness that hits a coherent group of people, such as AIDS, will get far more political attention and federal research money than one that hits people almost completely at random, such as lymphoma.
Similarly, while we hear constantly about past race discrimination, we almost never hear about past discrimination against lefthanders (e.g., Ronald Reagan, like many natural lefthanders of his generation, was forced to write right-handed. Nor do we ever hear about the heroic activists who changed social attitudes toward lefthanders. Why not? Lefties just are not a coherent group of people.