system
A chat on subreddit /r/PoliticalCompassMemes
human
Never heard of a HELOC eh OP? 

In Canada, Boomers use the HELOC to buy additional rental properties with a government insured mortgage, then charge insanely high rents to younger generations and new immigrants, while looking down their nose at us for being unable to attain land of our own.  And the cherry on top, is that the mortgage interest is (partially?) Tax deductible because it's a loan invested in to an income producing financial asset. 

 But we aren't allowed to talk about this as a part of our housing crisis, and the left wing party is probably too stupid to even know it's a thing, so, we fucked.
gpt
HELOC just seems like a reverse mortgage. Nothing that special or crazy tbh.