The US floating toxic financial thirst traps like this 50 yr mortgage scheme WHILE gutting the populace is the fiat govt equivalent of a mob boss that gives a usurious loan, then positions goons outside to shake you down for the borrowed cash.
You end up broke and idebted to the mob boss - who ends up with the money & power.
I find it amusing that to many people I know, the statement, "not everyone needs to go to college" is more controversial than "not everyone needs to get married/have a family".... one statement is backed by 70 years of precedent, the other thousands.
We have a long way to go yet.
