> providing housing is a service that should be done at market rates

That's an opinion, not a fact. I don't share that opinion. Societies are healthier when people are housed, and when that housing is well-maintained. "Let the market decide" often doesn't get you that.

> an investment must yield a return to make sense

Agreed, but we can and should cap that return if not doing so leads to housing insecurity.

> There's a huge lack of financial literacy in some of these comments.

From you I'm seeing a huge lack of understanding about what capitalism is good and bad at.