I don't disagree with you in that we need some serious behavior modifications in this country. However, I think that the government could be used to make such necessary behavior modifications.
One is shelter for the poor. I've stated this several times in other threads. I am critical for the government having provided government-backed loans to the poor for houses they can't afford that were built for the middle class. That's just stupid.
Instead, I think the government should use the authority of law to mandate that housing developers cannot ignore the housing needs of the poor.
My position is this. Most housing developers focus on the people who are middle class or wealthier when they build houses. However there is a demand for shelter for people who earn minimum wage. But land is a commodity, so housing developers build housing only for the middle class or wealthier so they can get a better long term profit.
If I had my way, I would write a law requiring housing developers to build a certain percentage of low-income housing designed and built to be affordable to people earning a minimum wage. These could be very small, efficient multi-story homes. By forcing housing developers to dedicate to building these types of homes, they will use their ingenuity to create such homes.
This way, the poor can actually get housing they can afford and the government isn't making risky mortgages, and housing developers will earn a profit.
The only thing that inhibits this is housing developers' desire to earn even more of a profit to cater to the demands of the middle class. But in doing so, they ignore the needs of the poor.
So there's a lot of ways to look at the scenario.