The most effective way to lower housing prices is to increase supply. Instead of artificially freezing rents, which discourages investment, policymakers should remove regulations that make building new units difficult. More construction creates more competition, which naturally drives down prices for everyone.

While AI automates legal tasks, it also makes initiating legal action radically easier for everyone. This 'democratization' is expected to increase the overall volume of lawsuits, including frivolous ones, paradoxically creating more work for the legal system and the lawyers who must navigate it.

Jim Clayton believed over 80% of legal claims originate from a failure to deliver customer satisfaction. Instead of hiring lawyers to fight, he personally called angry customers or visited homes to fix problems, solving the root cause for a fraction of the cost of litigation.

Whether one owns a home is a primary determinant of their perception of affordability. Homeowners with fixed mortgages feel more secure due to locked-in housing costs and accumulated equity. Renters, however, face constant rent increases and lack this wealth-building asset, making them feel far more financially insecure.

Lawyers often act as "handmaidens of the rich," enabling wealthy individuals and communities to use the legal system to block public good projects like mass transit or affordable housing. This subverts the public interest and creates a society that functions well for the wealthy but fails the majority.

As a newly single mother, Morgan was denied an affordable one-bedroom apartment due to strict HOA occupancy limits (two people per bedroom). This forced her toward more expensive options she couldn't afford, revealing systemic barriers for single-parent families in the rental market.

Current AI tools are empowering laypeople to generate a flood of low-quality legal filings. This 'sludge' overwhelms the courts and creates more work for skilled attorneys who must respond to the influx of meritless litigation, ironically boosting demand for the very profession AI is meant to disrupt.

New rent control laws don't just limit rent; they fundamentally cap the equity upside for real estate investors. By limiting potential cash flow growth from an asset, these policies make building or upgrading apartment buildings less attractive. This discourages the very capital investment needed to solve the housing supply crisis.

America's mental health crisis is largely driven by economic precarity. Systemic solutions like a higher minimum wage, affordable housing, and universal healthcare would be more effective at improving population well-being than an individualistic focus on therapy, which often treats symptoms rather than the root cause of financial stress.