Yes. There is also the problem of housing "lost" to the lifestyles of the well-to-do - whether that's 1%'ers who own multiple houses, or regular housing which

Yes. There is also the problem of housing "lost" to the lifestyles of the well-to-do - whether that's 1%'ers who own multiple houses, or regular housing which becomes short-term rentals (Airbnb or whatever). In places, those are major problems. Overall - the biggest problem those cause might be that they're socially divisive distractions from bigger issues.