Government pensions should either be eliminated or given to all citizens. What makes government workers so special that they deserve a pension and others do not? It used to be they would get crap pay in return for sweet benefits, but now their salaries are comparable.
Correction to your title: "U.S. is so over owner-occupied homeownership". Unless it is government run housing, someone will own the property, generally corporations and the wealthy. To me, this is not a good thing no matter how you try to spin it.