I get your point, but the house you live in is an expense, not an investment. The fact that for a long period of time it seemed like an investment because home

I get your point, but the house you live in is an expense, not an investment. The fact that for a long period of time it seemed like an investment because home values kept outpacing inflation made this common thinking, but there's no reason to assume that it will go on forever. We know the line doesn't only go up because we saw it crash in 2008 and it wiped out a lot of paper wealth. The government has done everything it can think of to continue pumping those numbers higher but we don't know yet if those actions have completely changed the economic fundamentals of home ownership.