The pursuit of social justice is what prompted the exclusion, but when Hsueh saw with his own eyes how many elderly ended up suffering poverty as a result, he came up with the idea of reverse mortgages.
「排富條款」固然是為了符合社會公平，但眼看許多貧苦老人因此痛失資格，當時薛承泰就想過引進美國的「逆向房貸」概念，將資產活化。