At the end of your list, you mention something that is a little bit more obvious. Because I must confess to you, Mr. Dickie, that even though I did follow what you were saying in your answer, it is far from being obvious. When you say that there is an advantage, it is due to the fact that capital gains on a principal residence are not taxed. Everyone agrees with that.
However, would it not be fair to say that you have failed to consider the flip side of the coin? It is precisely because part of our tax and financial system is based on the fact that there is, for the owner, an incentive to encourage purchase, namely, the ability to recover these amounts, and that is part of what we deem to be revenue.
We say that the retirement systems include three pillars: the public retirement pension system, the private systems and savings. That is part of savings. This is an incentive to encourage saving, namely to say that you can invest in your house. If we were to tax that, if we were to no longer consider the existing tax reductions, we would have to recover this amount elsewhere, because people would not have enough money once retired.