Nobody voted for the rules that determine where you can live, how much you'll pay, and whether your city can grow — yet local zoning codes have quietly become the most consequential policy instrument in American life. This week, we trace how a planning tool invented to enforce racial segregation evolved into a system that restricts housing supply, entrenches wealth, and lets a small number of existing homeowners veto the future of entire metropolitan areas. The housing crisis isn't a market failure. It's a policy choice, made block by block.