I initially wanted to disagree with you, but I think you're right. One unmentioned consideration is why the gov wants people to own their home: Put simply: ho

I initially wanted to disagree with you, but I think you're right. One unmentioned consideration is why the gov wants people to own their home: Put simply: homeownership (and home value appreciation) results in better end-of-life outcomes compared to self-managed cash. People are bad at saving, but they understand if they don't pay their mortgage, they will lose their home. Tapping into that equity isn't as easy as accessing money from a savings account.