Your last point about mortgages is interesting. It's probably highly dependent on the type of society you want? On one hand, why should I not be able to use my

Your last point about mortgages is interesting. It's probably highly dependent on the type of society you want? On one hand, why should I not be able to use my land as a financial instrument, it's my land, if I want to bet the land price will go up for whatever reason, and someone wants to offer a tool to enable that, some folks would say that should be just fine. On the other land, once a relative level of systemic sophistication has been reached, that system in that appreciated land will become inaccessible to certain groups of people. Some folks will find this unfair. (just some thought, not really opinions)