You make a good point. Truly affordable housing (which taxpayers so not pay for) has been outlawed in many, many places.
SROs, boarding houses, trailer parks, all outlawed.
In between that and destroying to concept of a two-parent family, we need need to subsidize housing so it will be “affordable.”
Mrs. BBB333 & I purchased a 14 x 70 mobile home in the early 90’s as no one would rent to us with two cats (this was at a different trailer park in town that still exists).
We had a 5 year note on the trailer and the lot rental was reasonable. That was affordable housing.
We found a lot that we liked outside of town, sold everything we could (including a car) to purchase the property. I rode a bicycle for almost three years (we get a lot of ice and snow here so it was not always easy).
We built our just barely over 1,000 sq. ft house in 95 and sold the trailer walking away with $10,000 in equity.
God has truly blessed us for if anyone had rented to us we would not have this wonderful home.