The decline in home equity makes it more difficult for struggling homeowners to refinance and reduces the financial incentive of stressed borrowers to remain in their homes.
Many savers are also homeowners; indeed, a family's home may be its most important financial asset. Many savers are working, or would like to be.
We're dabbling in eugenics all the time, breeding ideal crops to replace less aesthetic or nutritious or hardy varieties; leveling forests to graze cattle or erect shopping malls and condos; planting groves of a few familiar trees that homeowners and industries prefer.
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