I don't think the city should do the building, so I don't understand what you mean by bad debt? Affordable rents don't help much if you can't find a place to r

I don't think the city should do the building, so I don't understand what you mean by bad debt? Affordable rents don't help much if you can't find a place to rent. It is not just a problem for people who want to move to the city, but also for people whose situation has changed, and who now can't move. (Like having kids, switching jobs, that sort of thing).