The purpose of these tax credits and government interventions in the housing market is the same as their manipulations in the health insurance market. Since we no longer employ people in productive work making goods for export, we have to keep them busy pushing paper. By artificially raising the prices of both housing and health insurance, we are able to employ millions of paper-pushing bureaucrats and attorneys to do worthless tasks. Even though they work for ostensibly private companies, they are basically government bureaucrats since without government intervention their jobs would not exist. Any attempt to change this system will incite howls of protest from these “industries” as they fight to protect their jobs.