I can move into a small place and give my kids $400k plus a house they can rent out, or I can refuse to accept reality, go many tens of thousands of dollars into debt to the state, get my home taken away with no remuneration, have that debt attached to my estate to further eat into their inheritance, and my kids have to then house me and they get nothing.

Owning a home is not a right, it is a privilege, and a privilege that is based in part on you paying your fair share of taxes as determined by the government you help elect.