> We need more houses, which means construction and jobs.

So construction needs labor but also lumber, land and financing. We don’t have the last three enough right now. We don’t have enough land to build near the bigger cities where housing is needed most, due to absurd zoning laws. We don’t have easy financing because of higher interest rates. None of these are short term problems.

Basically, I’m saying labor is unusable when you can’t actually construct.

> but there's always money sitting on the sidelines somewhere

That’s cute but still that’s an assumption.