### Comment:
If your home goes down in value, why does that inherently mean you lose it?  If you bought within your means, you might be stuck underwater, but you shouldn’t lose it.

### REPLY:
Because you can't sell and come out ahead. Basically if the market is rising you can always sell if you fall on hard time and recoup most of your money.  If the market crashes you can't sell, so if everything is fine great, but if someone gets laid off/money becomes an issue you're fucked.

### END.