The second quote isn't entirely related to the first. "Sufficient housing stock to tank prices" is an enormous amount of housing, the likes of which are not contemplated by traditional builders, who are out to build high profit margin housing at prices the market will bear. That's the system that needs disruption. It's not de jure collusion, it's a mature industry with mature players who have been on the search for blockbuster profits in recent memory. The average home size has skyrocketed over the last forty years, builders and their financiers are no longer content to make a living building homes, they want to hit home runs every time. It's time to incentivize smaller players in the market and to steer them towards building cheaper housing with smaller profit margins.