Tread carefully. Implement such a policy naively and you end up with the American dream: everyone tied to mortgages they can’t afford. Of course the core probl

Tread carefully. Implement such a policy naively and you end up with the American dream: everyone tied to mortgages they can’t afford. Of course the core problem is treating affordability as merely a function of access to loans, without accounting for second / higher order effects. You’re clearly not proposing that, but it is of course an easy trap for a society to fall into