The adjective "self-inflicted" has an undeniable negative connotation. Why didn't you say, "deliberately chosen" instead?
> The Bay Area housing situation is a tragedy of the commons.
No, it's not. It is neither a tragedy, nor does it have anything to do with commons. Yes, it is a case of the rich making life harder for the poor, but that's only a tragedy for the poor. It's not a tragedy for the rich. It's not a tragedy for tourists who can enjoy the distinctive nature of the SFBay area while it still has redwood trees instead of being paved over with high-rise apartments. It's not a tragedy for the wildlife that lives in the privately owned open space on the Peninsula. And none of this has anything to do with "the commons." All that open space is privately owned, and all of the governments who won't change the zoning laws (including the state government, BTW) are democratically elected.
If you turn the San Francisco Bay into another Manhattan or Hong Kong that would not make it any less of a tragedy. It would just be a different kind of tragedy.