Yes, all makes sense, is all codified into law at the present time.
BUT
We are going to have a problem. The wealth and income disparity in this country is causing higher prices both by housing shortages and by driving up housing costs via people buying up properties to be rented.
So, while everything you said makes sense, we really do need to be able to have a roof over our heads without spending half our income or more oin it. That just isn't sustainable. Every bump in the road is ruin, less money to spend on other things in the economy, etc.
So it's: everything you said, but in a growing inequity environment (that is already bad right now), where it is causing serious problems for our society.