The other thing with the house is, it is not a free and clear right to your heirs. For example, if they fail to pay the taxes on the house, they could lose it. Or if the osue requires vital repairs which they don't make, they could encounter legal difficulties (for example, in my region, anyway, the landlord is required to make sure the property complies with certain safety standards, and if any expenditures are required to make sure it meets the standard, they must pay for it). Also, I have heard stories about the government deciding to build a highway or something that goes through a private property---they do have to offer market value for it, but if you refuse to sell, there are certain circumstances where they can take it from you anyway even if you own it, if it serves the greater good. So the house analogy doesn't really work for me.
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