Did I say mandatory? I meant optional! You’re “free” to die in a cardboard box under a freeway as a market capitalist scarecrow warning to the other ants so they keep showing up to make us more!
Then good luck getting a house mortgage because you can’t lend based on future income because it’s not guaranteed. When I bought my house they incorporated the value of my brokerage account. I wouldn’t be able to own a place if they didn’t.
With house mortgages it’s collateralized against the house, a physical object, but it has only a fake value until it’s actually sold because house prices can go up or down.