I respect your points and I respect the time you took to make them--but I do not believe private ownership enforces any kind of fiscal responsibility. I think, if anything, it enforces the belief in kicking the financial can "down the road" in favor of maximizing profits now.

I actually need to learn more about the history of zoning and what its purpose was--but the only zoning I see happening now in my community is replacing old, rigid zoning with new, rigid zoning. The new rigid zoning says that one peg--multifamily dense housing--fits all the holes.

The market is not magically providing overbuilding because there are only so many building materials to go around, and if you are a market-driven builder or developer, you are in it to maximize profits, so you take those building supplies and you buy the most expensive thing you can for the people with the most money you can find. The same exact thing is happening with cars. To the extent that a "free" or "fair" market could ever "naturally" take care of such shortages or shortcomings--I don't think it is now.