I have some sympathy for their temptation. When I moved into my house, in its first year, I got a "government evaluation" for it that declared the house was worth 20% more than what I'd paid for it. Yippee! I was a successful investor! Surely I was super smart and able to handle my finances! Eventually I calmed down when I learned more of what owning a house was about, and there were lifestyle changes - I reverted back to "savings" mode, and things smoothed out.

Of course this real estate bubble has ended and I got a more realistic "government evaluation" this year. But what if I hadn't? What if I'd had two bubble evaluations in a row?

So, I snapped back to my senses....but I understand the behaving-financially-badly temptation.