So if the housing market crashed like really bad, by say everybody owning multiple homes being suddenly unable to afford the loans for that many homes, what would happen?
The banks would have to repossess the properties. And sell them on the market, but with many homes to sell, the price would come down crashing.
One can dream.
People suggested formatting to exFAT which is valid, but first you could just try either compressing the file (tar czvf file tarball.tgz for instance). FAT32 cannot handle files larger than 4GB, and compression might just make your file small enough.
As a workaround you could also split it in half and stich it back on the target machine