Although the goal of a “sustainable” urbanism has generated an impressive array of international frameworks and declarations, systemic progress remains elusive. A prior paper by the author identified "lock-in" as a central cause: the economic incentives, professional standards, codes, and institutional feedback structures that reinforce un-sustainable patterns of urban development despite stated commitments to reform. This paper advances that diagnosis by asking what sustains the lock-in itself, and what structural intervention can address it at the root. We argue that the answer lies in a fundamental deficit in the feedback architecture governing urban development — a systematic failure to account for two categories of capital on which human welfare de-pends: natural and resource capital, whose depletion standard metrics render invisible, and human and value-added capital, including the built public realm and the economies of place that markets systematically undersupply. Standard welfare-economic instru-ments, including Pigouvian taxes, address this at the level of price signals but cannot resolve it there, because multiple forms of goods, which we term “polycapital”, are structurally interrelated and resist single scalar remedies. The paper advances two complementary conclusions: first, that a generative modeling methodology — capable of encoding the interrelated, multi-scale character of polycapital structures — is a necessary precondition for adequate institutional response, and that pattern language methodology provides this capacity; and second, that transactional mechanisms going substantially beyond Pigouvian instruments — non-linear, asymptotic, and per-capita in structure — represent a necessary but largely open research frontier.