In some sense yes, but the bill doesn’t come until much later. A city can run a deficit for a long time before its debt payments become its biggest budget item

In some sense yes, but the bill doesn’t come until much later. A city can run a deficit for a long time before its debt payments become its biggest budget item (or second after its police department in many cases). This leads to cuts, austerity and the usual contractions to a more manageable budget. And yes, in many cases the infrastructure for suburban development is initially paid for by someone else. Often some combination of federal and state programs to build roads and other public works projects along with subsidized loans.