For many millennials, buying a home has become almost entirely out of reach. Average 30-year mortgage rates are hovering around 7 percent \u2014 the highest they\u2019ve been since 2007 \u2014 largely because of the Federal Reserve\u2019s efforts to tame inflation. David Leonhardt, a senior writer for The New York Times, discusses whether it is time to change how we think about buying vs. renting.