You were probably too young to remember 2008. You see, when people who cannot manage a credit card are allowed to buy a home (which they simply cannot afford) through political pandering, they cannot pay for it. We have seen this already. So the house goes into foreclosure. You cannot play politics with the housing market, this caused a recession over 10 years ago. Not to mention people with bad credit HAVE bad credit for a reason! And forcing people to pay more for loans during record high Bidenflation, sky high interest rates, and an economy that gives mixed signals is not intelligent. Why not, maybe LOWER interest rates for everyone? Oh yeah, you can't focus on a victim demographic for votes.