I first heard that it's mostly an educational problem, because they're getting a 14% or 15% return on investment without any tax risk. And let's face it, new home owners generally tend to be better off financially, when you get to the bigger houses, than renters and people like that. When it's mostly an educational problem, it's almost as if the two are in conflict when it comes to a bit of advice. I can see what you're saying, but if it's an educational problem, it's hard to see why one would get more of a financial boost on top.
That is just a comment. I'm not necessarily asking for a response.