Calling it an affordability crisis is not dealing with reality.

Affordability crisis means let the market decide.  Build more housing, force the price down.  BUT WHATEVER YOU DO DON"T CHANGE THE SYSTEM.  Those who own do not want to be like everyone else.  Plan on keeping the owning game going.  The cretins who think this is the only way to run a society far outnumber you.

'In May, the Biden administration announced a Housing Supply Action Plan to close the affordability gap and ease housing costs. The plan aims to boost the supply of affordable housing by enhancing existing federal financing and incentivizing areas to reform zoning and land use policies to build more lower-cost housing. It also calls for homebuilders to adopt more efficient construction methods.

What a crock of shit.  The cost of building housing is not the issue.  The economy is dead is the issue.  There is not enough cheap energy to keep the complexity of life going as we know it.  Jobs are not paying enough, and landlords expect to be paid regardless.  Reforming zoning sounds good and the resourceful bullshitter can find examples where it would help no doubt.  But greed, not zoning is the issue.  Zoning did not create the housing crisis.  The price of housing was allowed to inflate to obscene levels.  Everybody in for the past 50 years in America has wanted to get rich owning real estate.  And real estate is how the rich get richer.  It is their preferred method.  The system is rotten to the core.  Through the years is has been housing bubble after housing bubble.  Emphasis has never been on home ownership.

Mortgage payments are perpetually confused with home ownership.  It pisses me off that there are so many feeble minded people that can be bought off with 'affordability crisis'!  Home ownership begins when the mortgage is gone. Not when people are rewarded for refinancing.

The market destroyed things but the faithful expect a market to fix things.  This could rightfully pass as a definition of insanity.

'The plan aims to boost the supply of affordable housing by enhancing existing federal financing.

In other words loan some rich people money to build more housing.  Make it a good investment for everybody who already has money.  Financing to the rescue.  What a relief!  After thirty years of financing destroying things, and increasing inequality it is good to know financing has a change of heart.