Construction costs are currently skyrocketing

Huh?
Was it more expensive and easier, more expensive and harder, cheaper and easier, or cheaper and harder in the 80s?

Good catch. It's probably too late already - I'm still sitting in the office...
Of course, it is still cheaper today than in the 80s/90s. My first statement is correct. Forget my nonsense

What is important is the monthly burden and that the property is paid off within a reasonable time. I don't think about the resale value of my Im(!)mobile. At least with a house, I want to live in it as long as possible. There remains a calculable monthly burden and I am not at the mercy of a landlord (slightly exaggerated). Of course, you should also build up reserves during that time. With an ETW, this is mandatory!

And that is actually wrong. The ratios of income, construction costs, and interest rates were (most years) indeed better in the 80s than they are today. But in addition, not just to be able to build at all, housing allowance was introduced to maintain the "high" standard of living. The more often you repeat it, the more you believe it. But it’s not true. It was really easier to become a property owner in the past, in the 80s/90s.

hmm, property yes, but what kind? Hint: Most of the property from the 80s/90s is still largely on the market – but it is no longer really snatched out of your hands. Regardless of any governments and heating regulations, it is simply no longer really en vogue that the attic is uninhabitable in summer, the basement is at best suitable for mushroom cultivation, and you could heat a multi-family house for a year with the fuel consumption. Yes, calculated over the entire repayment period, there were certainly fluctuations regarding how much working time one had to invest for a square meter of living space over the entire term. There were also always fluctuations in what quality you actually got for it—the house I grew up in was a 1950s post-war budget build, they used what they had and could afford—but the problem is: you never know beforehand. Once the house is paid off, you can look back more or less safely and ask yourself: Was that a good deal? But: Even if you were honest about it, what does it get you? I often stay at my in-laws’ in an 80s/90s terraced house, financed at 8% back then, yes, so what does the comparison bring me now?

Houses are refurbishable; technically, it is not a problem to create a habitable attic. Roof insulation with wood fiber, plus a photovoltaic system to capture the sun a bit earlier. Our attic is outside the thermal envelope but has been very comfortable temperature-wise so far. The roof sheathing is made of 35mm wood fiber, followed by the battens. The problem is that such houses are much too expensive when taking the renovation needs into account.

what good is the comparison to me now?

It is not about a comparison of qualities or anything like that. It is about the fact that it is easier today to afford living space than it was back then. Only one's own (excessive) wishes and ideas or the lack of understanding for any kind of sacrifice make today's would-be builders despair at creating homeownership. It is not the interest rates nor the construction costs, it is the minds of the people.

It is not about a comparison of qualities or anything like that. It is about the fact that today it is easier to afford living space than it was back then. Only one’s own (excessive) wishes and ideas or the lack of understanding for any kind of sacrifice make today's wannabe homebuilders despair at creating homeownership. It is not the interest rates nor the construction costs, it is the minds of the people.

Well, conditionally. In the past, you could simply build without insulation, many regulations either did not exist or were much more lenient than today. You are not allowed to build extremely simply anymore today. Which is a good thing.