What we need is rewrite the law to reward saving instead of penalize savings. In the US, there is no incentive to save, because it got penalize first by inflation, then you happen to have a capital gain, dividend or interest on your savings, you get tax again. However, if you get into debt like a mortgage, which lock you in for 30 or more years, you get to deduct your mortgage interest. Property tax is deductible as well.