The Trump administration's quick about-face, pitching 401(k) retirement plans as a path to homeownership, was never likely to work because it ignores the deeper forces driving the housing crunch, some economists are now arguing.Experts pointed to two key factors doing the most damage: restrictive zoning and regulatory policies that have choked supply, pushing home prices out of reach. Restrictive zoning controls what gets built; regulatory policies determine how hard it is to make it happen.Ben Harris, vice president and director of economic studies at the Brookings Institution, said policies...

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