There have been a number of recent letters and articles about the dearth of affordable housing. I wholeheartedly agree that the results of this insufficiency are creating conditions that stress social cohesion in a variety of ways. Two weeks ago, Frederick Smith presented some solutions; perhaps I can contribute something constructive to this growing forum.

In his statement that there is “a lack of affordable—heck, even available—housing,” Mr. Smith alludes to a wider economic phenomenon,…