I’ve always dreamed of owning a $20 million house in Greenwich. It would enrich my life enormously. An indoor pool, stone pillar colonnade, and 5 car garage would be immensely rewarding. Unfortunately, I can’t afford it. It’s an access and equity problem. The federal government should lend me the $20 million. Whether I can realistically repay it shouldn’t determine whether I deserve the opportunity. I can make income-based payments for a while, and if the numbers never work, the government can forgive the balance. After all, the government has money. And if millions of us take out mortgages we can’t repay, that doesn’t mean the loans were irresponsible. It means we have a national housing-debt crisis requiring forgiveness. Why should only rich people have access to $20 million houses?