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Fuck Cars
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Well tiny countries pretty much have to set it up that way just due to sheer lack of area. In the US, that isn't a problem.
We probably have meadows bigger than north and south Korea combined.
Have to or not, Koreans definitely favor apartments. There are western style houses here, and they're just not as popular as apartments. Which is great. I'm living in a house that's quite a bit bigger than a similarly priced apartment.
That's likely partially because it's "weird". It can't be normal since it's not possible for a majority to live that way. There always people that are gonna like being unusual, but they're the outlets by definition.
Or it could get well be that all else being equal, loans would still prefer it. My earlier comment was of course colored by US experience.