Rags-to-riches stories a fairytale in present-day America?

Bureaucracy overshadows American ideals of homeownership, entrepreneurship

Daniel Ludwig, his wife and four children arrived in New York Harbor in 1955 with little more than a homemade wooden crate containing his most valuable hand tools.

Ludwig had been trained as a master woodworker in his homeland of Romania, having come to the United States by way of a German refugee camp. Within two years of arriving in America, he’d saved enough money to buy an old house with a big backyard in a suburb of Oakland, Calif.