agreed. The American dream should be about opportunity and hard work. Not specific material gain. There are too many distortionary government programs that e

agreed. The American dream should be about opportunity and hard work. Not specific material gain. There are too many distortionary government programs that encourage home ownership when in fact owning a home can be a disasterous financial decision. Hopefully minimum downpayments will be raised and things like mortgage interest tax deductions will be phased out.