We need a different metric of wealth generation than home ownership. It used to be very safe, but now it's an anchor as much as it is a lifeline. Home ownership can't pay off forever; eventually either mortgage rates, supply/demand, or construction costs will force homes to either lose value or become too expensive. Those with a house or mortgage are subject to the whims of the market.

Home ownership is tax-advantaged because the government wanted to create a real estate market. Well, it's here, but it's not that great anymore, and most people don't get to take advantage of it. So Congress needs to make paying rent tax-deductible.