> The real problem is that we're politically/socially unwilling to transfer the risk to the people who are responsible for creating it

A lot of the responsibility falls upon governments who are lobbied by developers to zone areas for development that should never have been zoned for development in the first place.

And a lot of the responsibility falls upon the developers that lobby the government for ~. They're not little children begging an adult for something bad for them, where it's the adult that should have known better. They're adults actively seeking out a deal that profits them at expense of people.