Thank you. Yes, that's precisely what I mean. I've floated the same idea a few times on this forum and others. I've asked, but have yet to see someone point out a systemic downside. (I'm not any kind of financial sophisticate, so I'm well aware that I might be missing something!) In fact, it seems to me that having people finance their lifestyles by borrowing against assets adds a degree of leverage risk to the system, and ought to be discouraged just on that basis.