They sure as hell are directly related at the individual consumer level and the sum total of individual actions impacts the economy as always.
Trying to afford a house while increasing- or having already overwhelmingly burdened- your credit card debt is not the smartest way to go.
Not going to pay your student loans that way either. And many of those racking up their credit card debt now- with more to come- are are already crying that they will never be able to afford a home, Extra credit card debt will not help that, Oh I see. If Biden is re-elected there will be more cockeyed student debt relief (a new "special category" every month) and then a credit card debt relief program too.
The need to build more housing is overwhelming and has been for a long time, so need to even start down that road with me. It is an area where Biden could have done a lot of good- by focusing on traditional dem areas- but instead squandered his presidency with woke shit. And now we have a guns or butter issue with all his various wars current and anticipated.
So you aren’t really keeping up and just applying some generalizations you’ve developed onto the current situation with housing. It’s much more complicated than you make out and trying to force your credit card debt priors into it makes it even more disconnected.
If you are looking for a connection between student loan debt and home ownership its student loans is preventing many people from getting married. Marriage makes for a stronger housing consumer.
The credit card debt thing you’re fixated on isn’t a real factor in today’s economy. People aren’t living off of credit cards to any meaningful extent. As I stated before, Americans can actually hold a lot more credit card debt than they are right now. But “the dumb are mostly intrigued by the drum” so you’re looking at the rise off of historic lows like you’ve just discovered the Holy Grail or something.
If anything, we are in a Goldie Locks zone in the economy. High employment wages outpacing inflation, inflation declining etc.