If you take out a mortgage to purchase a home, you will be required to demonstrate to the financial institution that you are capable of repaying the loan. The decision of whether or not to loan you the money has many factors. I recall eager real estate agents quizzing me about our monthly income, and how much debt we had. In the real world, having too much debt relative to your income is a bad thing. The chart below show that we are entering dangerous territory. Even if you believe that getting government involved in healthcare will improve quality and lower costs, in the final analysis, the United States is incapable of sustaining this type of spending.