I just built a home. There's a lot of out of control factors that make it harder to build. "Historic districts" are basically ways to add extra red tape for the NIMBYs. HOAs are now more common and also add red tape for NIMBYs. Environmental changes for energy efficiency aren't always funded by banks.

One of the things we need is to abolish things like HOAs and historic districts; and then reform lending so it will fund environmentally-friendly building codes.