I don’t see what Obama’s “fundamental changes” had to do with it. Retirement can’t be sustained because there’s no economic model that supports the notion of paying people who aren’t working. Home ownership is unsustainable because there’s no economic rationale for separating property ownership from its productive use.
Obama is a communist and is part of the WEF. The WEF is a global movement to enslave the planet. Bush 41 was also part of this. The more you look into this, you will see how America was taken over long ago and both parties are involved. Obama is the front man, appointed to do the dirty work. And he loves get’n dirty.
Obama’s Marxist transformational endeavor agenda included the bankrupting every American institution. As Marx stated the surest way into communism is by bankrupting the nation, debasing it’s monetary system.
Your view of capital and personal ownership is consistent with the marxists.