The real problem is the people who work at McDonalds in San Francisco proper, and yet can't live anywhere nearby because housing is too exorbitant to live in on a McDonalds salary. They have to live in outer space, make it to work at McDonalds, and hope the time and financial costs of the commute make it economically viable. Eventually it stops making sense to drive two hours each way to make a McDonalds salary and people will stop doing it. The more fucked up you make the commute, the more people fall on the wrong side of that line, and you have to increase wages to make the numbers work well enough for people to take the job.
In the case of San Francisco, for decades they've been able to get away with tapping low-income neighborhoods in places like Oakland as a labor source for many of their service sector shit-pay McDonald's-type jobs. The BART train connection across the bay makes this possible. But gentrification has swept through about 1/3 of Oakland so far. As more
neighborhood transformation happens more of those low income workers will be pushed completely out of the Bay Area or even out of the entire state. San Francisco could see its service sector businesses totally screwed at getting labor for anything.
Many cities around the US have housing markets that are in an affordability crisis. If the people working the thankless jobs on the bottom end of the economy can't find an affordable place to live the situation risks upending a lot of everyday things all of us take for granted. Policy makers on the local and state levels are doing nothing of substance to deal with the problem. Just keep on building that high priced R-1 zoned housing.
San Francisco is at such an extreme of living costs that it could be among the first places to feel the consequences of allowing imbalances to exist for so long. I think the residential real estate market in the United States could be
very interesting (but not in a good way) 10-20 years from now. So many people who bought properties at very inflated values will be looking to sell 10-20 years from now, wanting to downsize for retirement. Or it might be middle age empty-nesters who bought too much home and regret doing so.
They may not find many buyers, especially ones willing to buy at prices the property owners want. A tunnel should be built to connect this to the Presidio Parkway. That would take through traffic off of local roads and make it safer for cyclists and pedestrians while increasing connectivity across the region.
San Francisco is pretty locked-in. The path currently cut by the Central Freeway stub could be an opening for a tunnel up to the Presidio area. A straight
bee-line path from the end of Central Freeway up to the beginning of the Presidio Parkway is about 2.5 miles. A pair of highway tunnels would have to be built deep-bore fashion under the Fillmore District, Japantown and Pacific Heights. That would be one hell of an expensive project. It's certainly possible from an engineering perspective. But politically such a thing might be impossible. We could probably check back in another couple or so decades if San Francisco's local economy totally implodes under all the weight of its pricing excess.