Because the corporate propaganda is that their LLM’s are trustworthy.

And immunity can wane over time for some. I had to get the MMR series again when I started nursing school because I tested negative for rubella antibodies.

A problem here is: how many people with 20+ years on their mortgage are suddenly owing more than the house is worth? If my house’s value were to drop by half tomorrow, I’d be stuck and unable to move because I would still need to pay as much as the previous values in order to move somewhere else.

I don’t know how we fix that, but I don’t think it’s an insurmountable barrier to making housing affordable.