> As a foreigner, it seems to me that Americans prioritize building cheap homes over constructing better and more resilient ones.

"Americans" is doing a lot of work in that sentence.

It would probably be more accurate to say "It seems to me that the history of American culture and economic systems have led to a system whose emergent behavior is to prioritize building cheap-but-easy-to-modify homes over constructing smaller-harder-to-modify-but-more-resilient ones."

Sure "we" need to take action, but the machine is very large and we are all very small gears in it. A twenty-something buying their first house doesn't have a magic wand to wave that will summon cinder block houses into being that don't physically exist. A builder who wants to build cinder block houses doesn't have a magic wand to rewrite city building codes that presume residential construction is mostly wood. A city council member who wants to modernize building codes doesn't have a magic wand to get enough constituents to prioritize this over housing costs, homelessness (but I repeat myself), jobs, etc.

Everyone's problems seem easy when you are very far away from them.