I've just found out why homelessness is basically a permanent or decades-long affair in SF: the city has outrageously costly rental rights bundled in a 28-day (or more) purchase of a basic roof over one's head. Thus the market cannot provide bulk discounts >27d (the payment schedule makes no difference), and in practice it gives a 7d max discount, which is lol.. 15% off daily rates? (How much can a 7d discount go?)<p>Thus the price one pays for lacking upfront loans for Long '[1]' rent: a mere haircut off daily rates (until one can afford them no longer).<p>Just saved the city $0.5b [2] on research.<p>==<p>[1]: long enough to divide out that outrageous bundle to workable rates.<p>[2]: though entrenched greed means perfectly zero chance for the $ to be directed to people with lived knowledge, so more like 0.5b, annually, to keep the show going until appetite changes (then 0.8b/yr).<p>[3]: Solution: bundle-in minimum rental rights instead of maximum; and stagger as much as possible, like someone who has lived in a house for 7 years needing more guardrails than someone 7 weeks.