Yes, and it’s also unfettered capitalism. Developers buy land cheap, build homes cheap, and sell them for a profit. That’s usually not in the best interests of the homeowners or the community. In many other countries, homeowners buy land, choose a builder, buy materials, and contribute to their local area. It’s a system that costs slightly more upfront, but most of the value stays where it should, with the homeowners and the laborers. There’s no mass-produced garbage or corporate veils to syphon and protect profits far away from the community.