It is the US government that is offering this subsidy. The US government that is owned by the bankers. The US government that is only viable as long as they can keep the dying USD/petrodollar monetary hegemony running. Its dying. The productive economic advantage is now hugely in Chinas favour. The USA cannot even fight a war of any scale in the next decade without the supply of rare earths that China now monopolises. A 50 year USD mortgage on US property is not a good bet. The USD has less than a decade at best left as the dominant global currency. The US property market will implode with the collapse of the USD.