Why does everyone seem to have collective amnesia about all those HELOCs the Globe, among many other dailies, were pushing with glee as a way to maximize the value they could draw from their homes without ever selling up and leaving? 

http://www.news1130.com/2017/04/24/drowning-debt-new-normal-canada/

http://www.marketwatch.com/story/my-94-year-old-mother-in-law-racked-up-68000-in-debt-or-someone-did-it-for-her-2017-03-23

http://www.marketwatch.com/story/more-refinancing-borrowers-cash-out-home-equity-2014-11-10

http://www.theglobeandmail.com/globe-investor/personal-finance/genymoney/four-things-people-get-wrong-about-housing/