Yep, agreed. I think both are needed.

Housing is horribly complex. We all know we need more, but there are so many hurdles to building it.

You have NIMBY folks who don't want low cost or high density housing near them.
Then you get anyone who has a house, or owns property to lease, that doesn't want more housing since they worry it will lower the value of their assets.

It's a country/statewide issue that needs to be solved at the local level, and everyone at the local level fights it.