Not really socialist, more like wheeling and dealing with whoever has your mortgage, when your house is worth 200K less than what you owe, some people will opt out of paying their mortgage as a financial decision and declare bankrupty and move their finances and credit rating into their spouses name. Not pretty, but factual.
I worked hard and paid my mortgage off ten years before it was due.
Do I get something for being responsible or do only people who have not been responsible get a gift from the tax payer?