Because under the First Amendment, governments are hardly involved with those two activities. Yes, because the libertarian free enterprise system works. They start up in homes, basements, tents, trailers, old buildings, etc. Some die out and the loss is minimized. Others prosper and move into more permanent quarters.
Competition provides the contrasts socialism lacks.
Government planning doesn't work any better in English than in Russian or Chinese. This civil, common-sense approach must be expanded to criminal restitution. Bank safety should be protected through private insurance, stockholders and associations. Insurance companies are very interested in fire, structure and personal liability, and will encourage safety through financial incentives. Owners and users share this same interest.