The coddling of our kids' minds threatens us all in two scary ways

President Joe Biden kicked off his 2024 campaign imploring Americans to ask themselves whether they will have more freedom in the years ahead or less.  

The question was rich, given his record of undermining individual initiative in favor of equity, making Americans less free to pursue opportunity based on merit.

Case in point was a rule issued only a week after his formal announcement that penalizes responsible home buyers. Under a new Federal Housing Finance Agency (FHFA) directive, buyers who put 15 percent to 20 percent down on a mortgage and have good credit pay will pay higher fees and rates to subsidize costs for those with lower credit and small down payments.