>I love government subsidies through implicit and explicit loan guarantees

Like student loans?

>It’s the reason a 30 year mortgage exists.

Which is a large part of the reason houses cost what they do.

>the bottom 50% of American earners only pay 2.3% of total federal income tax collected,

"Well the poors aren't paying for it, you are" isn't the endorsement you think it is. And the poors still get kicked in the dick by spending driven inflation same as the rest of us anyway.