The problems of “Housing” are dynamic and my title “Observations” hopefully leaves room to maneuver when this paper is presented some five months after it was written. The points I have focused on have been selected for their potential long-term influence and may therefore remain current. While I will limit myself to the “Housing” problem in the United States, I feel there is a world universality to the characteristics of such problems. We are here to direct ourselves to only one aspect of a much larger problem. The larger problem is urbanization and growth in a limited environment — that is, “How can there be an equitable distribution of goods and services among the world’s populations?” Each country is faced with fighting for all it can get. At this point, one should consider the current conflicts over social delivery systems within and between the government-controlled and private market economic systems of the world.