And if I and the local market can't bear a rent increase for a time? A lien has the problem that, for a retiree who probably won't need another credit line, th

And if I and the local market can't bear a rent increase for a time? A lien has the problem that, for a retiree who probably won't need another credit line, there isn't much incentive to pay. They could just let that go on until they die. Local governments would eventually get upset. You can pile on all the rules you want, but every rule has unintended consequences. Best not to set up rules that force people out of their homes in the first place.