My guess is your conception of a suburban area (relatively densely populated?) is a bit different from ours in the US. Also for some reason you seem to think that because your area doesn’t have zoning or enforce it, other places don’t.
And if you write "independent shops", that is no longer true of even many European countries. While people do have a nearby shop, it might be typically from a chain (R-Kioski in Finland is essentially a monopoly, Żabka in Poland is omnipresent). The situation of, say, Spain, with its Chinese and Pakistani-owned independent shops, or Romania with its local family-owned shops does not extend over the whole EU.
Random suburb in California, USA. Use Google streetview and find a shop within walking distance.
If you want a walkable / bikeable neighborhood you could certainly do a lot worse than this random suburb in California.
My observation is that literally where there's 10 people, the 11'th one will try to sell them something. Hamlets of 100 houses have 2 grocery stores, 3 bars and a slot machine parlor.
I also live in a suburban area in Europe and there's shops everywhere. Noone "planned them", it's just the observation above. And yeah, house prices went through the roof also, probably went up everywhere where there's no war or famine going on regularly.
The thing I hate most about housing are traffic jams. The more they build and cram more "affordable housing", the worse the nightmare of getting anywhere becomes. Coze at some point you know, you'll need something that's just not within "walking distance" and then you're funked.