A homeowner's personal financial situation is analogous in relevant ways to the financial situation of a country's government. Because of underfunding, the government does not maintain adequate standards in the services it provides. Homeowners should not pay off their mortgages early if they must neglect upkeep of their homes in order to do so. It does not make sense for the government to use the budget surplus to pay down the national debt.
Citizen: Our government has a large budget surplus, which our leaders wish to use to pay down the national debt. This makes no sense. Because of underfunding, our military is inadequate, the infrastructures of our cities are decaying, and our highways are in disrepair. If homeowners used all their money to pay off their mortgages early, while refusing to pay for upkeep of their homes, this would not make them better off financially. The same goes for the country as a whole.
Which one of the following most accurately expresses the conclusion drawn in the citizen's argument?