Thank you for the response. :) And, I heartily agree - primary residences and primary work-related properties should NOT be included as 'taxed investments.' (Else, a small business owner suffers the same fate!)

There are other areas where government is the proper vehicle for internalizing externalities of the market, as well - if only we used government properly. But, attempts to re-engineer that thoroughly-hacked system have their own terrifying risks... :/