Itâs not that heâs being mean or anything but as an immigrant he doesnât necessarily understand the consequences of certain decisions. To him itâs perfectly reasonable for him to think when he is gone his wife would be able to continue their household as is and not have the govt take away their home. That is the problem with these things. Exactly as you said, you know how to maneuver around such impacts but the average lower income person doesnât know how to or if they even do doesnât have the means to.
Were not talking about billion dollar multi-generational wealth here, were talking about real world impacts on people who other than accidentally keeping a modest home in an area where real estate happened to explode would otherwise be considered low to mid middle class.
By lowering the exemption into the range where something like the very home someone lives in triggers these things we are targeting the poor much more than anyone else.