I mostly agree with you. I would add also that it's a lack of social housing. We need to encourage municipalities to build good quality social housing like they have in Europe (specifically what I saw in Helsinki) we would need to be careful to not replicate the mistakes of housing projects in the 1970s

At the same time I also recognize there's a good chance it wouldn't work because Americans, as a rule don't give public infrastructure respect it deserves but instead would degrade or tear it down then bitch about the taxes it takes to maintain it.