Having a thing and making someone pay you to use that thing does not in-and-of-itself constitute a job. […] No human being will ever go a day in their life not needing shelter. At no point do you not need a place to live. The need for shelter in a specific area may be temporary, as in the case with hotels, but we always have to have somewhere to call home.

‘The problem with the expansion of homeownership wasn’t that some people don’t have what it takes to be homeowners. They did. The problem was that traditional methods of discrimination were replaced by new forms of exploitation. Borrowers in certain neighborhoods were steered toward subprime loans. Appraisals were deliberately inflated. Loans with predatory terms were set up and designed to fail. None of that had to happen. And now, as that house of cards is collapsing, we’re losing decades of progress in integrating and stabilizing neighborhoods.’