If you're affraid that your house's value will drop in value, this seems to be a very broken system. If you own it and you're using it as much as you want, you

If you're affraid that your house's value will drop in value, this seems to be a very broken system. If you own it and you're using it as much as you want, you living quality is not at all affected by fluctuations in its hypothetical price. Your ability to borrow against it is a downside, but maybe we also shouldn't be supporting that.