I live in one. I think it's less about the pragmatics of the things you list, and more about the permits. I could walk into a lot of commercial spaces, includ

I live in one. I think it's less about the pragmatics of the things you list, and more about the permits. I could walk into a lot of commercial spaces, including my office and turn it into a code compliant dwelling myself with stuff from Home Depot I can fit in my truck. I can't get it approved, permitted , by the city of SF, even if I did it by the books. There are literally people who show up to the permit office with wheelbarrows. If you want to fix housing in SF, fix the permit office.