My observation is that literally where there's 10 people, the 11'th one will try to sell them something. Hamlets of 100 houses have 2 grocery stores, 3 bars and a slot machine parlor.
I also live in a suburban area in Europe and there's shops everywhere. Noone "planned them", it's just the observation above. And yeah, house prices went through the roof also, probably went up everywhere where there's no war or famine going on regularly.
The thing I hate most about housing are traffic jams. The more they build and cram more "affordable housing", the worse the nightmare of getting anywhere becomes. Coze at some point you know, you'll need something that's just not within "walking distance" and then you're funked.