If you have a 30k mortgage on a 60k home by selling all your assets you're 30k up, whereas the other scenario has you at zero. Net worth would arrive to the sam

If you have a 30k mortgage on a 60k home by selling all your assets you're 30k up, whereas the other scenario has you at zero. Net worth would arrive to the same conclusion, so I don't see net worth including wealth to be a bad metric here.