They literally and explicitly incentivize consumption for its own sake. It’s backward.

Consumption isn’t *good for the economy,* it’s the other way around:

A *good economy* has healthy consumption.

That’s the problem, Keynesian economics has reversed causality. It’s not good for the economy that someone uses a house, whether they need it or not. It’s good because if they can afford it, it is an indication that significant value has been added to the economy.

It’s the same difference as saying “college degrees incentivize skilled workers,” and then just issuing college degrees to millions of people because now they’ll all go get skills.