Maybe the solution is to make tax liens non-foreclosing on primary residences.
They accrue with interest. And they automatically accelerate on sale or collateralisation. But if you and your heirs continue to live in the property, don’t sell it, and don’t borrow against it, it isn’t something the government goes after you for. (You could let local governments borrow against or even sell these claims.)
I think that is a sensible solution to keep the elderly in their homes, but misses the point, which is the government claim on the land.
For people on the more libertarian end of the spectrum, use taxes, income taxes, and even residency taxes are more palatable. This is because the point of taxation is supposedly voluntary social interaction. Similar sentiments exists across the political spectrum, just two different degrees. It is the same principle under which people even on the left object to being taxed for consuming solar power that they themselves generated
They accrue with interest. And they automatically accelerate on sale or collateralisation. But if you and your heirs continue to live in the property, don’t sell it, and don’t borrow against it, it isn’t something the government goes after you for. (You could let local governments borrow against or even sell these claims.)