Things I wish existed: apartment buildings with a “mandatory savings clause.” Add in whatever is needed to make it palatable, but fundamentally make people contribute to a savings account each month an amount equal to their rent (increase or decrease by factors required), and that savings account can’t be withdrawn from such that it would fall below min(“months paid in * amount per month”, 24) before the person retires or leaves the apartment building.
Why on earth would this be a good idea? Wealthy people may be assholes in many ways, but they aren’t going to be obviously dealing drugs in the corridors, they will be more considerate about loud music and parties, and they generally prefer being around other wealthy people for this and other reasons. Traditionally, we’ve kept poor people out of places by actually charging them money, but this results in low savings, insecurity, and much more being spent on wasteful housing than needs to be spent. This method allows for individuals to live cheaply without having to suffer the injury of dealing with low-income people
This is a good idea, but it won’t happen because it isn’t market-competitive. Only a Rationalist apartment building owner actively trying to help the country would do this.
It’s not obvious to me why it isn’t competitive. If A makes 10 per month and spends 4 on housing, 2 on saving money, 3 on taxes, and 1 on other (clothing, food, etc), they could move into this place instead, spend 3 on housing, and put 3 on savings. My implicit proposal is that a lot of what the fourth dollar spent on housing actually buys you is “the benefit of living with people who can afford to spend the fourth dollar on housing”, and this ensures that you’re only around people with at least six spare each month after taxes and necessities, a better deal than your original, while costing you less. For the landlord, meanwhile, this is probably competitive with just charging 3 a month, with benefits flowing from things like “middle and upper class norms involve less wanton destruction of property”
This is all partly inspired by @sinesalvatorem’s struggles on BART, which suffers from the problem that poor black people can use it. The benefit of tripling the price mostly wouldn’t be in getting more frequent service or better seats or whatever, but in not getting blatant transphobes, who are shunned in the bay area upper and middle classes. In my home of Boston, I ride both the commuter rail (expensive) and the T (cheap). People are quieter and behaviour is generally more in keeping with my preferences in the former.
The market of people that are openly aware of this and will admit to it and express preference for this as a solution probably isn’t that big, and people would instead either spend less on rent and more on other financial instruments (with a higher RoI), or spend more on the housing and gain more comfortable housing and more status.
I know it’s tagged as “#mostly a joke” but it really does get into a whole bunch of issues related to why housing is so expensive and things we normally aren’t supposed to talk about that are undermining modern Liberalism.
Also now that I think about it, despite this whole thing sounding positively Singaporean, eventually you’d get sued by self-identified civil rights lawyers for being exclusionary.


