It's a lot like the difference between someone who inherits a house that's paid for compared to someone who's homeless. The broader issue of a society that allows one person to have property passed to them while another doesn't have a home is another conversation, but on a societal level, it's still a significant benefit to inherit property with equity, and it's a significant disadvantage not to have a home at all. The homeless person makes decisions on a daily basis that a person who inherited a house doesn't even have to think about. When the home equity beneficiary runs into trouble is when they act like they know what it's like to be homeless because they went camping one time, or get bent out of shape when a homeless person says, "Being homeless affects every aspect of my daily life in ways most people who aren't homeless don't even see."
