As a matter of fact, CO2 does not work to capture heat in a greenhouse, there is just not enough room for CO2 to pay a significant role in capturing heat on the scale to which a greenhouse is built.
I am done with this conversation because you do not appear to have sufficient understanding of how the world works to understand why your idea is a bad one.
You conveniently overlook the fact that there are a lot of people who do NOT want to own housing. In addition, there are those who are not going to be able to buy housing, even under your system, because they have been such bad managers of their money in the past.
The final point you overlook is that buying is not something which one undertakes on a casual whim. No matter what you do to the system, buying and selling a house is going to take a lot of effort. No one is going to want to buy a house when they will be moving again in six months to a year. If I get a job that I need to move for, I do not want to buy until I have been in the new area for long enough to figure out where I want to live in that area.
In addition, your scenario overlooks closing costs. People who relocate frequently would lose quite a bit of money on the closing costs...more than they would lose by renting. The fact you are overlooking is that there are a lot of people who do NOT want to buy, they prefer to rent.
And that second scenario would likely result in their assets vs deposits falling below what they have to maintain to remain a FDIC insured institution. It might also lead to problems with SOX regulations as well.
While that is partly true, you are forgetting the truly benevolent devices from trusted companies/organisations which can actually help people greatly, with no privacy cost. To ignore those is shooting yourself in the foot.
I would agree with you, but even with your reminder I cannot think of any of those. In order to be "forgetting" them, I would have to be aware of them. So, would you care to enlighten me?