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Carney Is Proving To Be An Economic Juggernaut
(www.snopes.com)
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Perhaps a market approach to housing is the core of the problem. I don't know, and I'm just tossing out an idea triggered by the repeated explicit assumption you're making ("inside a market system"). I am tossing out the idea in the spirit of cooperative "yes, and..." discussion, I am not challenging your point, and I am not interested in debate, but rather, conceptual exploration to see what ideas might emerge. (If you know De Bono's work, what I am saying is, "po housing is not based on a market system").