M0nica, it is not always the case that those who own houses have been fortunate in life. In London and the SE, perhaps, but in large areas of the north people make very little by way of profit on housing, and any taxes raised on property would work in their favour, rather than against them if the money raised were to be spread around the country.
It can be very difficult for someone with a house in a low-cost area to be geographically mobile, and the idea of having a 'bank of mum and dad' or any means of helping out adult children is a pipe dream when any profit made is barely enough to cover the costs of a move.
As for it being morally wrong to want to avoid care costs, I remember distinctly how my grandmother felt when she went into care. My grandparents were not wealthy. They married in the 1930s, and my grandfather became unemployed in the depression. Before anyone could claim 'national assistance' they needed to prove that they had nothing that could be sold. People would come to the house and look around for anything of value, and insist that it went before allowing any claim.
My grandad was an organ builder by profession, and lost his treasured piano in this way (one of the reasons I am so anti means-testing). He never really recovered from this, and when I was a child, decades later, I never remember them buying anything of value - they felt they didn't deserve to have anything nice, or that it could always be taken away from them.
Years later, they had managed to buy a flat on a mortgage. They lived frugally in order to pay for it, and rarely did anything 'fun'. A neighbour of theirs, Betty, used to like to go to bingo, and have an occasional holiday in a holiday camp. She rented her house, and I clearly remember my grandmother saying that she (Betty) would regret her extravagance when she was old, as she had nothing to fall back on, and who would pay for her care?
What happened was that years down the line all of them ended up in care, and were in the same council-run sheltered housing. Betty had a flat on the same floor as my grandparents. The difference was that they had had to sell their home and use the money to pay the rent until it was all gone and they were penniless, whereas Betty got her rent paid from day one.
It was heartbreaking.
Nobody with an ounce of compassion would want to see the likes of Betty suffer (and she hadn't exactly squandered her money anyway!), but knowing what my grandparents did without in order to improve their old age has made me feel very strongly that means tests, and so-called 'affordability tests' are deeply unfair and unjust.
I am very much in favour of a fair deal for everyone, but that should include those who choose to save their own money for old age (or save for plastic surgery, or a world cruise, or whatever they like) without a moralising state saying that they can't have their dreams because they can 'afford' to pay for what people who have made different choices get for nothing.