The two major crises of the post-Second War period surrounded housing, the largest component of the household budget. As a result of the 2007–2010 crisis, and the ongoing transference of housing risk from originators of mortgages to government-sponsored entities and the Federal Reserve, the mortgage market has been quasi-nationalized. The chapter spells out how this quasi-nationalization of the mortgage market could be transformed into government-owned housing with rents apportioned to income. In addition, the chapter calls for government construction of housing in the outlining areas of major job hubs with an expanded system of mass transit connecting jobs to homes.