Despite differences, all of these methods "take the largest assets that seniors have acquired over the course of their lifetimes-their homes-and turn them into something of zero monetary value," notes Chang. "So they're very hard for many people to accept."
然而，不論哪一種方案，「都是希望老人把這輩子賺得的最大資產──房子──用完，讓資產的『淨現值』等於零，所以難度很高。」