So you are splitting hairs by, after the fact, by distinguishing between "houses" and "housing"; making up numbers of what regulations cost (not the same as the

So you are splitting hairs by, after the fact, by distinguishing between "houses" and "housing"; making up numbers of what regulations cost (not the same as the total cost of housing, right?) and insisting that fireproof cladding just isn't worth it in purely monetary terms. You're right though, it does sound callous.