The document summarizes an article arguing that widespread government policies promoting high levels of home ownership are harmful and should be reformed. Such policies distort savings behavior by incentivizing people to invest heavily in housing using leverage, despite the risks. This overinvestment in housing bubbles crowds out more productive investments and impedes labor mobility. Government efforts to boost home ownership rates beyond free market levels create powerful lobbying groups and perpetuate inherited wealth inequality. These destructive policies are continued despite lessons from housing crises and would be better replaced with support for rental housing and removing subsidies that promote speculation.