Goldstein argues that America’s housing crisis cannot be solved by the market alone. Private developers won’t build enough affordable homes because it is not profitable and even when they do, prices bounce back up. He suggests a public option for housing: publicly owned, middle income rental units funded by bonds, not taxes. He shows how places like Montgomery County are already doing this, building unsubsidised housing that is affordable and stable. Goldstein also takes aim at the myth of homeownership as a wealth building tool, pointing out how it traps people and drives inequality. His message: if we want housing that is fair, stable and accessible, we need to stop relying on market fixes and start scaling up public investment.