**[FT: U.S. Housing Crisis Drives Gen Z Toward Cryptocurrency and High-Risk Investments]** An article in the *Financial Times* points out that worsening housing affordability in the U.S. is reshaping Gen Z's financial and consumption behaviors. Some young people, finding the goal of homeownership increasingly unattainable, are reducing savings, losing motivation to work, and investing more frequently in high-risk assets such as cryptocurrency. Surveys show that young people who view homeownership as unrealistic are more inclined toward speculative investments, while those who believe they can buy a home in the future focus more on saving and planning. The article suggests improving housing supply through policies such as easing building restrictions and increasing affordable housing construction, while also enhancing financial literacy among young people to help them achieve their homeownership goals.