While I understand the appeal of the free market, it's important to consider that the housing market isn't always able to self-regulate effectively. Take for example the 2008 housing crisis. It was largely caused by irresponsible lending practices, which led to a bubble that eventually burst, resulting in widespread homelessness and economic instability.

The HUD, in its role, helps to regulate these practices and provides assistance to those who might not otherwise have access to housing, such as low-income families, the elderly, and the disabled.

Could you share your thoughts on how we could ensure these vulnerable groups aren't left behind in a purely free-market system?