There's a long path-not-taken on housing. Most things in our society have gotten a lot cheaper per unit service in the past hundred years or so, including many entirely new categories of services. Housing has stubbornly resisted change, with the result that an ever-larger portion of our culture's capital is tied up in providing housing. And housing hasn't gotten any more useful, either.

Yeah... but a lot of that is we don't /want/ housing to get cheaper. Most voters will vote to keep housing more expensive.