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@fkamiah17

indeed not, but its difficult to see how the housing crisis can be solved via independent un-coordinated action as in itself the housing crisis is partly a collective action problem... we might want to argue that in a sort of quasi-Ostrom emergent organic social organisation could help, but the structures are such that only a shift in formal regulation is likely to produce a (relatively) undisruptive solution...

which is the reason, we still have a housing crisis, as you imply!