Comment by underlipton

Financialization and the diffusion, across the economy, of the risk of dozens of major bad-bet nuclear detonations in the securities and commodities markets. The bets were never closed - not really - because the losses would have lead to immediate collapse. You're still paying for 2008 (and earlier debacles, and later ones, too). The economic output of the next few decades is already spoken for.

This hits TFA's culprits, rising insurance and utilities costs. They're just the symptoms, not the source.