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The flip side is that in the US, this is our middle class pension system. People save in their houses, per policy.
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because we made it that way. But yeah, I understand. The flip side of that is if you build a system where it always has to go up and
End of conversation
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tax the middle class retirement system until it doesn't work, and you now have a different problem.
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any type of major systemic change has to be graduated in.
End of conversation
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I've always thought it should be tax-disadvantageous to invest in non-productive assets, personally.
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