Florida is on track to break the 20 million population mark by 2016, or possibly next year . The Sunshine State will displace New York as the third most populous state in the country, just behind California and Texas. Nationally, rural counties absorb a lot of newcomers of modest income or fixed income seeking affordable places to live. Here in Orlando, however, banks and developers are betting big on a newfound taste for the urban lifestyle, beckoning new arrivals with hip-looking apartments and parking garages, often coupled with shopping plazas full of pricey, name-brand retailers. This is a gamble of huge proportions. Regrettably, it's just another bubble waiting to burst.