This is an older essay but well worth the read. Parts of it that describe a pre-9/11 college kid don't hold true anymore (the ever improving market, the little conflict world, etc.). But the meat of the article about character development and defining the good and seeking the good life is as timely as ever.
The thing about government stepping in to fix this issue, is that government is what is used to protect the interest of the wealthiest. NIMBY and protectionism are the reason why there isn't affordable housing in a lot of these places. Established home owners vote to create zoning laws that stop multiunit homes or smaller homes being created. Combine this with mandates that require solar panels that drive the cost of new homes way up and you have a recipe for a housing crisis.
So while I think laws and ordinances can fix issues, I don't have a lot of confidence that the wealthiest among us wont step in and user their influence to make sure the laws benefit them.
" I’ve long advocated that citizens of both parties should adopt a legal corollary to the Golden Rule—fight for the rights of others that you would like to exercise yourself. And one of the most important and vital of those rights is the right to speak and act in accordance with your deepest beliefs."