Your approach to everything ends in disaster. Unrestrained development comes with huge costs as well
Well i guess there's 2 choices: 1. make developing easier, which would create more units for sale and drive down costs, but would lead to more sprawl & urbanization, or 2. limit development, making units scarcer, driving up costs, but limiting sprawl and other buildings unwanteds.
I think domestic housing speculation is a huge problem. The thing with speculators is that their greed always makes them destroy themselves via market correction.