You&#x27;d love to live downtown in (I&#x27;m assuming) an urban area that is in extremely high demand. There are tons of downtown cores that are less expensive but presumably you don&#x27;t want to live in those and the jobs aren&#x27;t available there. It&#x27;s not so much about perverse incentives as that high demand areas are expensive because a lot of people have the same preferences as you do.