Well written even if I disagree with some key points
And the idea that support of 15-30 year mortgages (v 5 year balloons pre depression and what a 100% private market would gravitate to) -- should be a GOV job - takes us back to F and F as agencies like FDIC
The author does not talk to how one gets from here to there and if that is at all feasible
Likewise - if that is not feasible - what about a regulated privately held utility model?