Government policy helped create a housing glut, artificially holding prices down
ROFLOL, get back to me when you know the topic. LOL
Seeing as how my father was one of those builders and our next door neighbor is a bank V.P. (a little bank called Citi - so she obviously would not know, LOL) and they sure were bragging about Government de-regulation and how wonderful it was (about 2003 to 2006) before both changed their tune and stated "get ready, the bottom is about to fall out".
So far you have provided NOTHING to back your position.