1/4 instead, build more affordable homes (and by that I mean homes the average person can afford) stop construction companies making a killing out of them and building dodgy new builds. Tax second homes, stop buy to let and tax it heavily, and build upwards when needed.

1/3 there are punitive outcomes such as stamp duty on the sell of the home (so the total value achieved by the elderly to finance their old age is yet again diminished by force).

1/2 First, the concept of ownership should be sacrosanct, secondly, I do with what I own, whatever I want, not for the state to decide that reaching age X, I must downsize, that is authoritarianism. Thirdly, there are punitive outcomes