two things. first of all, "capitalism" is a pejorative, omnibus term invented by marx. if you let your interlocutor use that word, or even worse - you use it yourself - then you are conceding the entire moral frame. you can't argue or debate against something that you've inadvertently concede. use precise language such as "free markets" or "central planning", else you are wasting your time.  second, housing speculation is caused primarily by zirp. zirp never ended; interest rates remain strongly negative in real terms. the short version is that high rent prices are - in a roundabout way - paying for the national deficit. the long version is that you have to learn to understand interest rates, which could take you several months.
Poland