If you want a window into what’s on the country’s mind, pay attention to what governors say during their annual state of the state speeches. Last year, the teen mental health crisis was a common theme. This year, more than 20 governors talked to their state legislatures about housing affordability and accessibility. Rent or mortgage payments are the biggest expense in many family budgets. And yet higher interest rates, engineered by the Federal Reserve for the urgent purpose of cooling inflation, have had the negative side effect of making it harder for young people to afford a home.