buying a house is like an investment
it may go up or it may go down

if it goes down, well, you took the gamble

if it goes up, you win and will you share your profit with us - if not then why should we subsidize you if it goes down

enough of people who buy houses they cannot afford
and then cry "Woe is us. we are poor. Let me make mortgage payments and then go to food bank. woe is us"

meanwhile they are "house rich" especially in Toronto and Vancouver