I suppose once you have a house, then that's something people spend their life working for automatically settled. It's half the job of life over and you aren't giving massive amounts of money to the banks. They should be taken out of the equation. People need money in their own pockets to determine their own futures. Relying on banks and governments is not good and so a house as a one time deal, is a way of saying to people, this is your support. It takes out the rent and the mortgage lenders, and then you can say to people, 'You are so lucky, now at least do some work. Everything else is about your own adult choices'.