The real question is now that you know this (given it is real) how does it change your investing profile?
Yep. Also how does it change your homeownership profile?
I’m not suggesting “rational default” (although it may come to a point where that’s widespread). But sometimes I try to sort through if it would be better -— financially -— to take a loss on my home now, get out from under the mortgage, and get a little more flexibility into our housing budget (such as by renting).