[splitstud]

You are of course not wholly wrong. However, people paying on the latter half of a 30 year mortgage are almost certainly paying much less for housing than they would be paying to lease, due to inflation. And of course these payments are increasingly equity-weighted.

[MispelledToyota]

Just because a mortgage is a liability doesn't mean it's a bad financial decision to incur a mortgage to own a house, agreed.