That is some cask-strength derp right there.
current system encourages home upkeep - house condition improves, value increases, home-owner is motivated.
'the editors' idea would share that benefit of home upkeep/improvement with the bank. ...,
that is nothing short of communism, WITHOUT the hypothetical benefit to society, (ie state distributing wealth to serve the greater purpose). Home-owners would be throwing bricks through their own windows the day they moved in.
Gotta be kidding me, bloomberg. Seriously, take a deep breath, through your nose, and slap yourselves. You'll thank me.