It's actually cheaper for folk to stay in their own household, with some support, than be put into a care home full time.Yes. So they can live in another home... a care home.
Why is that not right for wider society?
Sone folk do buy or rent apartments in assisted living facilities/retirement villages.
It is a really difficult and emotional issue. It truly gets to the heart of many contradictions in how people view the state having a role and the issue of 'self reliance'.
Folk are encouraged to own their own home. It's an asset. Security. Something to pass on to their kids. Our housing system is so messed up folk now see little other sensible option, economically, than buying. Which riles people up when they lose what they have due to illness.
Frankly, if we had a decent social housing/rental sector in this country I'd not be arsed about owning. It's a trap.