This is like claims that illegal rental suites and air bnb are essential to "helping" people pay their mortgages.

In fact it simply boosts the price of homes by the amount of the illegal income or government subsidised 2nd mortgage.

If you can't afford a home the government should not be throwing you a temporary life preserver to keep your head above water. Governments should be working toward making housing more affordable, not help to prop up ridiculous home prices.