[mifreewil]

Homelessness has a multitude of problems, not all are because of government regulation.

But yes, in many places (SF and SV), homelessness is at least caused in part by local zoning that mostly comes from entrenched interests (existing homeowners) and blocks most new building of housing. Local zoning in the US seems to be where democracy is at it's strongest, and capitalism at it's weakest, often to detriment of most people (renters).