The "affordability crisis" is a major talking point lately.

Things have long been getting worse, but furor erupted online over fast food burritos now becoming a luxury good.

The issue, of course, is not $20 burritos or even whether it is a wise use of finances to get lunch out regularly.

It is instead a question of, why do things cost so much? Why is so much of our income going to daily necessities? Why are things things seemingly so much harder for young people?