“Once more we come full circle to be proactive and try to work with the rules in place rather then wish for something that obviously will not happen such as rules that make sense or will work in favor for the common person to buy a home.”
The game is the game. If you want a home you have to play the game. Sitting on the sidelines wishing for something else is a waste of time IMO. You either play or you dont. There is nothing wrong with deciding not to play but hypothecating ideas that make sense but wont ever happen and getting worked up about them is counter-productive. Sorry..