Not the same - a bank needs it to be roughly right across a portfolio of loans, I need it to be exactly right for me.
Property tax etc is an understood part of owing a property- an intrinsically valuable thing. I’m strongly in favour of land tax - it encourages the productive use of land. I can’t live in shares, and I can’t eat them. At some point I may make some actual money from them and at that point I should pay tax. I should not be taxed now on possible future gains, anymore than I should be taxed now on a possible pay raise if I get a promotion.
Fairer and more effective tax is essential- and to advocate for it effectively a grasp of the basics is essential. Otherwise you’re counter productive. I feel I’ve made my points and shall withdraw
Hard though it may be try not to propose solutions unless asked (it’s only taken me 20 years of marriage to mostly learn this!). Every thing else is good though