How do I explain it?  Simple.  Graft from the mayors office, the developer's associations, the construction firms, the Elon Musk federal subsidy hucksters, whatever.  ...And good luck to the "needy" family trying to get an FHA approved home lone for a $200K dwelling that won't pass basic building codes--and good luck also, when the "needy family" tries to sell it after they figure out how uninsurable it is, and how "sustainable" it isn't.  But hey, there's a sucker born every minute.