I have not specifically studied the policies stated in this piece to be 80 years old and credited to Herbert Hoover's administration, but those policies should

I have not specifically studied the policies stated in this piece to be 80 years old and credited to Herbert Hoover's administration, but those policies should date to the 1930's and the Great Depression. I know that one of the things they did during The Great Depression was just tried stuff, often crazy sounding stuff, and hoped something worked because things were so desperate. A lot of counterintuitive things did help, thus they stuck around. No one has really studied if some of those things were a good idea in that specific time and place versus were a good idea generally. I have studied housing history in th US dating to about WW2. I have written a number of long comments in various places on the internet and injected a bit of that into some blog posts. I get tired of repeating myself (and being mostly ignored), but the nutshell version is that poor people went to war, savings rates during the war were as high as 50% for some parts of the war, and the soldiers came home with money in the bank and military benefits that helped them buy houses and go to college. So there was enormous and unprecedented housing demand and the nation as a whole rose up to meet it at impressive speed. The demand was for family detached homes and it gave birth to the modern suburb. Since then, our demographic has differentiated while our housing policies, ideals, and financing mechanisms have converged on this one standard that served the nuclear family well but does not serve our current population well.