Rather than aging in place in the suburbs, the boomer (me & you) could sell our large suburban home and move to a smaller, maybe more efficient livable home nearby. I doubt we could make any money from our equity swap if we are paying cash for the new retirement home, but at least we would be in position to enjoy life without the larger property taxes, insurance and property maintenance expenses, traffic and no one home during the day.
Maybe the new place would be in a 55+ community with plenty of activities so we could meet some new friends. It would be one level with livable design features already in place. Wouldn’t this make life much better for people who are retiring.