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A free market of regulated consumers or a regulated market of free consumers. Entrepreneurs favour the first, politicians the second. What do we get? A pendulum that swings between both and limited consumer choice.

Consumers need the benefit of market forces on the lion share of their weekly spending and the cost of monopoly prices on the mouse share of their weekly spending.

If the UK government spends £24B a year on housing benefit, this is the result of government decisions made over the last thirty years. If the UK government cares about the future, it needs to make smart decisions on housing policy now, so the country avoids spending double that annual figure in future years.

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