I'd also note that the we haven't figured out the whole nearly invincible cyborg cop aspect yet either, so that's a fairly significant difference too.
Mostly I assume that if Bank of America thought they could make money doing what you say, then they'd probably be doing it already. If they'd lose money on it, then there's no way they'd do it. That's one of the ways that American companies are just refreshingly simple.
On another note - I really don't understand what housing wealth is supposed to do for people. My house has increased in value around 200% in the last decade. And? Sure I've got more money on paper, but what am I supposed to do? Sell it and live in my car? (I think I could pull off van life maybe.) All that's happened is I have to pay ever more in property taxes.
