Not just speculating land owners but also the financial institutions profiting from issuing mortgages whose influence on policy is obviously enormous. And whil

Not just speculating land owners but also the financial institutions profiting from issuing mortgages whose influence on policy is obviously enormous. And while loosening zoning laws wouldn't hurt, there has not been any radical increase in such laws over the last 20 years, certainly not across the whole nation. Yet housing prices have sky rocketed over the same period, even in areas where zoning is lax. So, while it may help some, a real solution is evidently not going to be as facile as some re-zoning.