If I tried to tell my grandmother (or my mother) that she could borrow against her home and arrange to have more income (we'll ignore the fact that she literally counts every cent) she'd have me locked up for insanity!  It's a matter of pride for a lot of people (old AND young)in this country to actually own their homes free of debt.

We are all in the gutter, but some of us are looking at the stars. Oscar Wilde