All of the following are reasons reverse mortgages may become more common in the future EXCEPT

A$)$

reverse mortgage fees must be rolled into the loan.

B$)$

many older Americans have large amounts of equity in their homes but lack liquid assets capable of sustaining their lifestyle.

C$)$

reverse mortgages are a potential tool for combating sequence of return risk.

D$)$

government regulatory changes in $2013$ standardized Home Equity Conversion Mortgage $($HECM$)$ rules to a great extent.