Global warming, human-caused climate change!

[freeloader]

The housing crisis of expensive housing is created with high regulations and builders are afraid to build and the ones that do build, their costs are high so it's passed on to the buyers.

1.  There is no housing crisis. There is a market for housing that is doing EXACTLY what it was led to do since the end of World War II. And it’s not political. Republicans and Democrats both wanted houses to steadily increase in value—to provide a vehicle for invisible wealth creation. It has worked perfectly. Now, the chickens are simply coming home to roost. 

2. Of course costs get passed on to consumers. That is called a capitalist, market economy. Planned economies, such as those of some socialist and communist countries, do not pass costs on to consumers. Just to be clear—is your intent to actually advocate for a socialistic, planned economy in housing?    

3. A big part of this problem is driven by the efforts of politicians from on the Ag committees (who come overwhelmingly from farm-belt states) to enrich a small class of ultra-wealthy and corporate farmers. The majority of agricultural subsidies, including subsidies for soil/erosion control (ie, pay farmers not to grow things), go to big corporate farmers. A half-century of farm bills have made farming unprofitable for small farmers. When you destroy small farmers, you destroy entire communities. The people have to go somewhere, so they move to cities and suburbs. 

4. So, to bring things more or less full-circle, you have a growing population which wants (needs) more and more to live in urban and suburban areas. Particularly in places where geography naturally limits supply (New York City, Bay Area), the price is going to increase (all other things held equal) faster than in other urban and suburban areas.