The two leaders of the Senate housing push: Senate Banking Committee chair Tim Scott (R-SC) and ranking member Elizabeth Warren (D-MA). | Andrew Caballero-Reynolds/AFP via Getty Images The US has a lot of layers of government. Some would say too many. I would say too many. Here in Washington, DC, we mercifully only have a city government and a federal government, but you state-dwellers often have to juggle a state government, a county government, a municipal government, and sometimes school districts and other political entities that sit somewhere between these levels. This diffusion...

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