"so what is the D's plan?"
Fearmonger; deny there's a problem; blame Republicans when the problem implodes; continue to convince legions of uninformed, naive Americans to vote Democrat; continue to redistribute taxpayer funds into their own pockets and those of their cronies; and continue to...
My budget for home repairs is $0. I rent. ER would be much riskier for me if I still owned a home and had to worry about the costs of house maintainence and large expenses like replacing the roof, HVAC, etc.