The elephant in the room is that much of the US, SF Bay Area included, is still reeling hard from restrictive zoning laws that were extremely racially motivated.

Minimum lot sizes, height restrictions, R1/R2 designations et al. were intentionally written into zoning laws so that PoC could not afford to move into primarily white neighborhoods [1].

It might sound like a random tangent, but many of these zoning laws are in the books today, and are the ones used by NIMBYs to restrict new developments in their town.

[1] Extensively covered in the book The Color of Law by Richard Rothstein