This seems an exceedingly risky business as we've seen with stacking risk with mixing mortgage investments or auto loans. Also it is designed to give the wrong incentives to the wrong people in the wrong zip codes. It will also split and divide people. We're having what many would call our most greedy sector of society deciding how people experience their resources. Socialism has always been a bad way of deciding resources and this smacks of a top down, manage by bureaucracy affair.