[An earlier version of this piece appeared in Forbes.com.] Our crazy, volatile house prices hurt first-home buyers who buy near the top of the market and last-home sellers who have to sell near the bottom of the market. Millennial first-home buyers who bought at the top of the recent boom will be hurt the most by falling house prices but those aging Boomers who will have to sell their homes in the future near the bottom of the market in order to pay for unexpected expenses like medical, assisted living, nursing home or other living expenses, will also be hurt.