> a lot more people would hold on to the house and never let go. Subsidizing a behavior we would like to see. As always, the rich gets the carrot and the poor

> a lot more people would hold on to the house and never let go. Subsidizing a behavior we would like to see. As always, the rich gets the carrot and the poor gets the stick. Luckily the same economic theory can be applied to motivate both.