[jjav]

> Just because you die doesn't mean your house is paid off or you don't have some kind of reverse mortgage on it.

That doesn't change anything with respect to the existence of the house. Someone might take a loss (the heir or a bank) but no matter, the house continues to exist and someone else will end up owning it.

> Just the yearly taxes on my home would be a significant burden to many.

If nobody can afford it that just means the price (and thus tax) will drop until someone can.