We all know the story... straw, sticks, and bricks. But do you know the aftermath?
After the carnage brought about by the Black Swan Event known as the Big Bad Wolf, insurance carriers quit covering straw and stick houses. Brick Only, with details about how to create the foundations, plumb it, and mortar and plaster it all built right into the code.
Fully protected against Wolves, the insurance piggies said to themselves.
Soon, Piggie Zoning and Planning Commissions were implementing the insurance requirements into their own building codes.
For Safety, they said. Who could possibly argue with that?
Of course the brick manufacturing piggies loved this, and made sure that every piggy community was on board with all brick construction. The cement pigs and the plaster pigs likewise were all on board. Its for safety, you see.
One inventive little piggy, after a delicious meal of roast beef, thought to build himself a straw bale house.
This is house is completely immune to huffing and puffing, thought the little meat eating pig. Surely the insurance pigs and the ZAPCO pigs will see that and allow me to build straw-bale pig homes, he thought.
He was wrong. Clearly in violation of the code, he was told.
But the code is meant to protect against huffing and puffing, not to stop innovation in low cost building methods, he answered.
Read our pig lips, they said. Not up to code. Go away.
Our inventive little piggy ended up a disillusioned drunk, telling his story for a glass of slop to any stranger at the trough. Other inventive pigs came and went. One came up with a clever way of creating a stick frame home that could withstand hurricanes, not to mention wolf breath.
Not up to code. Our code is here for a reason. Safety. For the piglets. We are Noble Pigs, and we anly do this for safety. Anyone wanting or suggesting we do it differently is Unsafe by our very definition. They must be Greedy pigs that don't care about safety of piglets, said the brick making pigs.
So, Pig Town ended up with all brick houses. Not all pigs could afford these houses, so a bipartisan group of pigs passed a law that would allow pigs to buy houses they couldn't afford, and tanked the piggy economy altogether. For the piglets.