"Systemic" within one neighborhood (or even one builder) isn't the same as "systemic" in general. I mean, of course if one builder doing something wrong, he's likely to be doing it wrong consistently. But unless that builder is, say, D.R. Horton (which, to be fair, it very well could be), you can't really say that just because one random builder is doing it wrong that means the entire industry is doing it wrong.