Families have 1.9 children in the US, so all children inheriting suburban middle class homes from their dying parents is already off the table unless their parents divorced and or have some other reason to own two homes.

Let's say half of families divorce. But we then factor in your "long term care costs" and the liens those people will have requiring home sales rather than gifting and we're probably right back at half (at best) of kids possibly inheriting housing when they're in their 60s and their parents kick the bucket.