“The problem is not the 50%’s. The problem is the -30%’s”
statistics can easily present a deadly false impression
and there you are so correct
because the recent - past 2,3 year - home buyers, of whom a large number now have possible sale prices (if they MUST sale so soon) lower than what they owe on their mortgage
they skew the AVERAGE to a much lower rate than the numerical median (1/2 above, 1/2 below) would reflect
the more accurate number would be, numerically (how many), what portion of homeowners have less than 50% equity in their homes - NOT this non-informational AVERAGE for the equity overall