> "It shouldn’t take six years for any city to agree to give itself permission to build the sort of homes that every city once allowed." This is IMO the big thing here. Cities used to allow this kind of construction. Our auto-friendly culture and the desire of landowners to keep poor people off their block has led to increasingly draconian restrictions on private property use. I understand regulations around keeping…
Even these, IMO, are government overreach. Instead the government should require you have insurance to pay damages to third parties incase a fire/collapse/flood happens caused by your property. Then leave it up to the insurance company to decide what standards will lower your premium.
One insurance company might decide "look at Switzerland - they have very safe houses. Build everything to Swiss regulations, and we'll give you a 90% discount on the insurance price".
Over time, safety and environmental standards, as well as costs to meet them, will get much better much quicker than current layers of government bureaucracy.
The insurance should also cover for things like environmental spills on your land, the cost of pulling the building down and making the site nature again if the insurance is ever not renewed, etc.