Money is money. How one uses it is up to the individual. If the person took out a mortgage and paid it off after 30 years, there is nothing immoral about it and

Money is money. How one uses it is up to the individual. If the person took out a mortgage and paid it off after 30 years, there is nothing immoral about it and certainly doesn't prevent another person from doing the same. A paid off home does not need to be a mansion. A modest flat affords the freedom also. If a given person could not afford a mortgage or a down payment, adding more money to that persons income increases the chance they will save enough to do so, not reduces it. Switzerland is also interesting in that they tax total wealth, so the more assets you have, the more you pay: https://en.m.wikipedia.org/wiki/Taxation_in_Switzerland#Property_tax https://en.m.wikipedia.org/wiki/Taxation_in_Switzerland#Prop...