[claudeganon]

A great deal of spending in the US suffers the problem of direct versus some form of market disintermediation. So, instead of just building houses for people, we funnel it through myriad private or semi-private bureaucracies and suffer their corruption and graft.

[SpicyLemonZest]

That appears to be happening in Finland as well. The article says that state funding is funneled through "NGOs such as the Y-Foundation" who are responsible for actually getting the housing.

[claudeganon]

Yes, it’s not a binary situation. But Finland also directly took over several private/NGO shelters and converted them to apartment blocks. In the US, this would be considered verboten in most major cities because of the challenge it poses to everyone involved in real estate speculation and development.