The financial reward of "gambling on assets" is already far higher than working with much, much less effort. Except that now only rich people get to do it safely.

Housing is an asset that must be "gambled" in order to live securely and control your residence. I agree that is horribly broken, but everyone deserves a chance to buy assets without my permission.

I also argue that currently poor people under less financial stress will be more able to avoid getting fleeced, and that arguably many are already better at it than plenty of people with inherited wealth.

As a concrete example, mortgage rates being higher for poor people than rich people is already abusive.