Earlier quoted context omitted.
How did I imply that? I'm talking about down payments, paid for by stock sale, 401k, or IRA loans. Maybe I'm crazy and you're right, but I think most people use these vehicles to save for and fund their house purchase, not a regular savings account.
No, retirement accounts are not for saving to buy a house.
Your loss. They are a good pre-tax investment vehicle. Last I checked you could take $10K out of ira and $50k out of a 401(k) for home down payment or new builds.
You have to pay back with interest, but the interest goes to you.