You can keep renting money (with a mortgage) as long as the bank allows it (i.e., as long as you keep paying). When your life changes (flow) you can move to ano

You can keep renting money (with a mortgage) as long as the bank allows it (i.e., as long as you keep paying). When your life changes (flow) you can move to another property and keep the credits (USD) you accumulated. The difference is that (a) in my version a realtor gets a 6% commission at each step, (b) the credits are 1:1 exchangeable for USD, and (c) the credits last as long as the US government does, as opposed to for the life of a company. Probably mine is less-Ponzi, but it isn't great either.