I quibble with your thinking that mortgages are the only leveraged investment. I would say that business loans for small business and college loans are both leveraged investments available to the middle class. I would like to see more people able to evaluate their investments and their loans, so they can weigh how much the investment (business, degree, house) brings joy, how likely repayment of the loan is, and what the likely return of the investment is (or consequences, decision tree style).