“We understood that owning something meant caring for it and stewarding it, so we expected ownership to be an extension of people’s vocations. Hospitals were to be run by doctors, industrial firms by engineers; homes were to be owned by homeowners, and building was to be organized by builders; and the financing for all of them was to be provided by local bankers and credit unions and saving associations — themselves outgrowths of local business and local thrift and local wealth. There were problems and exceptions, of course, but this was the basic philosophy underlying our political order and our policy apparatus”
https://www.thebignewsletter.com/p/messing-with-texas-how-big-homebuilders