[thunky]

> Again, if you didn't want to accept that risk you could have just sold the stocks instead of taking a loan.

I could have reasons for not wanting to sell it. Maybe I don't want to boost up my income for the year and be subject to even more taxes or loss of benefits (i.e. ACA). Or maybe I want to keep the dividend stream.

It any case it's already overcomplicated, and I don't think we need to make it moreso by giving the govt another opportunity to take yet another slice of a transaction they had nothing to do with.

Not to mention, the lender that gave me a loan has to give the govt a slice of their income, which comes from me.

> This isn't much different from taking a loan against a house

The difference is that houses rarely lose 100% of their value. Normally they hold their value or thereabouts.