there is a big difference between the creation of the 30-yr mortgage and where america was in terms of macro economics and it's own ability to absorb public expenses / projects...and where we are today with this idea. Because of how broke we are and how our public revenues will decrease over time due to population decrease and underwhelming productivity miracles, LITERALLY any new public program (be it this mortgage scheme or UBI or ...genuinely any public project) is dead before it even takes off.