@brigrammer @BattleDwarfGimli @TrevorGoodchild @Hertz @PraxisOfEvil @sickburnbro People lived well enough for the longest time before mortgages, and I know plenty of people who bought real estate without loaning a cent. Rather than facilitate home ownership loans have driven prices through the roof, and as is with all usury have traded short-term benefit (having the home sooner) for long-term detriment (paying it off much, much longer). The solution to loans, and something modernites struggle to understand, is "be content with your wages".