It's nice that you would like the world to be this way but it's time to put this tired old canard to bed. It's not individuals but the financial system that treats houses as assets. They do so by extending mortgages. Try getting one for your car.

I'm pretty sure people buy cars on finance all the time.

Assets != investments.

It’s a consumer good most people want and will pay for and it retains its use for a very long time. So naturally there are fairly liquid markets and loans for it.