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" ... And then, if you want to take an even more simple consumer example, there are banking services being delivered on-chain that are taking huge amounts of costs out of the system and just make it cheaper. There is a company that is in the door with an application to us for a bank charter right now, a crypto company, that is in the mortgage lending business. And because they don’t rely on third-party technology vendors to record assignments of their loans and because the lending platform is powered by a token that allows users to bid for the right to make an offer on the next loan and because servicing and accreditation happens on chain all in one native crypto environment, they claim to remove 150 basis points of cost out of the mortgage origination process. Imagine a world where the effective savings passed onto the borrow means that you are paying something like a 2% mortgage rate rather than a 3% mortgage rate. That saves people enormous sums of money and makes it easier for people at the margins to buy a house. And so there are lots of use cases like that are very real and in the system today that will make the financial system inclusionary by making it cheaper and more efficient and that will make it better for everybody. ... "
" ... Back in 2018, I worked for the firm Quantified Communications as a communication coach. While reviewing video clips of several leaders extolling the virtues of inclusion, I heard language that sounded much more exclusionary than inclusionary. Two concrete examples of exclusionary language were leaders saying “I” instead of the more encompassing “we” and referring to “mankind,” which left out half the workforce. ... "
" ... In addition to reducing the city’s overall housing stock, the appeals have delayed projects that have major components of affordable housing set aside for low-income residents. The District currently has about 9,000 people seeking affordable housing on its inclusionary zoning registry list, according to the Department of Housing and Community Development. ... "
" ... “Prevent “opt-outs”: Remove the option for developers to pay “in lieu of” fees instead of providing the affordable units on site in their buildings. If developers are allowed to opt-out, especially in high-rent areas, they inevitably will opt-out because it is cheaper. With our amendments, the ARO will do what it was intended to do- create inclusionary development and increase affordable housing in areas it is lacking.” ... "