Zakat Calculation Resulting In Double Obligation
This is not correct. Zakat is due on all assets above nisab except personal use items or whatever is exempted by the state. In certain situations one can make an ijtihad on a need basis to consider certain wealth as personal use items. Please refer to the following video to understand the principle: https://ghamidi.tv/videos/do-we-have-to-pay-zakah-on-savings-to-buy-a-house-1787