I wasn’t aware of the FHSA program: thanks for posting about that! It is a helpful step at least here in Canada, but for folks who don’t have enough income (the whole ‘vanished middle class’ thing) it isn’t very effective.

I have some hope that tax and corporate law reform may start to happen if the appropriate governments get elected. And unions may start to make a come back. But it all seems to be a rather slow and fragile process: the influence of the very rich and large corporations on elections is far too strong. I have a few years left to watch for progress, so fingers crossed!