‘Affordable Housing’ should not be a legitimate category. The first 100% of demand for primary residence should be explicitly affordable, with a maximum of 25% of whatever the pension currently is, available to anyone. The current housing market should exclusively be a premium category, available to those who want to choose, and pay for, more.

Charities should only be responsible for temporary issues that arise, their primary goal should be to put themselves out of ‘business’. Charities should absolutely not be responsible for provisioning the perpetual needs of a society, especially core elements of subsistence. Further, no one should ever be expected to engage with a church unless they are legitimately able to choose not to.

Finally, this entire situation has manifested because housing has been permitted to be treated as optional. Luck and camping equipment are structurally loaded bearing elements of local, state, and federal housing policies, and they need to be excised before anything can be meaningfully corrected.

Another proposal is to increase the population of ethical landlords, and by ethical I mean former. Currently the only way to this can happen is by them explicitly selling the properties they’re scalping and hoarding. An alternative could be a mechanism where renting can explicitly contribute to the tenant ownership or other accumulation of equity.