Actually you are completely wrong.
Which is likely to happen when you concentrate on the person and make up stuff rather than concentrating on the argument.
I don't care about old people living in houses they bought. If someone wants to live in a house 10x too big for them I don't care, provided they are the ones that choose to pay for it. If people have three children it's their business.
Where it becomes my business (and where I am entitled to have an opinion) is when I and the taxpayer are expected to pay for it.
Using taxpayer money to keep people in unsuitable housing when we have a housing and environment crisis is the height of stupidity.
My head isn't confused. It's clear thinking. Direct money to people who need it, not to ones who don't.
Of course the biggest irony of all this is that it is going to happen anyway, whether anyone here likes it or not. We are getting poorer as a nation and it is going to get worse - in part because we have overfunded and inappropriately allocated money to demographics that are less in need of it than others, and because our taxation policy is biased towards taxing income rather than assets such as houses. We simply don't have cash available to sustain the unsustainable.
The squeezed middle are already starting to realise that raising a family based on current taxation levels is becoming impossible, even with relatively high wages. There is not to much thinking to be done to join the dots and figure out where their thinking will go next.