> For example, one of the reasons why people have been crowded in ghettos is the fact that housing is so expensive in the suburbs, and one reason for that is that bylaws restrict the building of multi-occupancy housing. These bylaws have been very effective in keeping out moderate-income housing from the suburbs, and that has kept out working people, among whom blacks are disproportionate, from moving there and having access to good schools.

Same in UK too...