The federal government continues to encourage irresponsibility. It wishes to redistribute earnings, confiscated from taxpayers too poor to hire accountants to find tax loopholes, to persons naïve enough to suppose if they can’t make a down payment on a house they will somehow be able to keep up with mortgage payments and maintenance costs. Odds are decent renters will default when they overextend themselves for a mortgage. Then the taxpayers can subsidize for them a more traditional public option for housing.