Edit: oops, how could I forget anti-development zoning and Nimbyist development codes that prevent private solutions?
* I would love to know the actual name, or a good derogatory name, for that type of apartment; they're not all 5-over-1s after all. The real problem is the lifelessness, and that the ground-floor businesses, when they do exist, tend to be depressing and corporate, such that people don't want to pick them over older construction that is better integrated with neighborhoods.