>Big money wants to make money, not make your life better. It would like to build as much as possible for as little as possible, at the lowest quality possible, and sell it for an extremely high price. This isn't good for any of us.

Small money also wants to work as little as possible and sell it for an extremely high price. Selling maximal ROI is mostly a human thing. Also, there are “big money” developers building higher quality houses at higher prices, just like any other business.