You would not believe just how much bureaucracy is built on top of you living in a simple structure on your own land.
The entire bureaucratic system is built to siphon off as much wealth as possible from you, in order to sustain and grow itself.
The real reasons for expensive housing, and lack of opportunity is not about rich people, gentrification, or any of the propaganda reasons you are sold to give government more power. The real source of limitation is the bureaucracy itself.