STEP 1. GOVERNMENT MASSIVELY RESTRICTS HOUSING THROUGH ZONING, EXPENSIVE REGULATIONS AND PERMIT REFUSALS. STEP 2. DEMAND OUTSTRIPS SUPPLY AND HOUSING COSTS KEEP INCREASING; STEP 3. BECAUSE HOUSE VALUES KEEP GOING UP, IT BECOMES A BUSINESS AND MAJOR COMPANIES BUY ALL THE HOUSES; STEP 4. NOW YOU HAVE TO SPEND 70% OF YOUR PAYCHECK FOR HOUSING; STEP 5. YOU CRAM THAT COST IN WITH ALL YOUR OTHER COSTS, NOW YOUR COST OF LIVING IS TOO HIGH; STEP 6. YOU BLAME YOUR EMPLOYER FOR NOT PAYING YOU ENOUGH AND DEMAND THE GOVERNMENT DO SOMETHING...THEY ALREADY DID, REFER TO STEP 1