For decades prior to the bursting of the real estate bubble and the financial collapse of 2008, conventional wisdom had touted the virtue of public policy directed toward encouraging home ownership. Now in 2015, home ownership is at 65% in the United States – its lowest level since 1970. Home prices are still down, growth in the market is flat, and the Wall Street firms who profited from the rise in the market have had their losses comped by…us. Time to reevaluate.