The discussions on the paper highlight that supply constraints alone cannot adequately explain the variable growth in house prices and quantities in US cities. Several commenters emphasize the role of credit supply in driving house sales, suggesting that bank lending practices significantly dictate market conditions. There's skepticism towards simplified solutions like 'build more' as a fix for the housing crisis, indicating a need for a broader examination of economic dynamics, including profit margins in construction, regulatory constraints, and the influence of money laundering in real estate. Many argue that understanding the supply and demand of credit is essential to comprehending housing market fluctuations.