Having any home equity is actually risky: don't ever pay off your house (in fact, I keep as little equity in my home as possible)

If you are under-insured: you lose (California wildfire victims)
If you get divorced
If you get sued
If the government wants your property
If you lose your job and can't make the mortgage payments (I know this is counter intuitive, but during the GFC, homeowners with substantial home equity were the first to be foreclosed on, while those with almost no equity got longer grace periods, and re-negotiated lower payments and rates more easily, since the bank stood to lose much more by foreclosing on properties in which the homeowner had little equity.)

The solution? Get that equity out: get a HELOC or second mortgage - now you have de-risked your house. Now, it is the banks problem.
Secure that equity in bitcoin -

divorce, imminent domain, lawsuit....just laugh in their faces