@Paleface @BattleDwarfGimli @Hertz @PraxisOfEvil @TrevorGoodchild @dubbub @sickburnbro > There are plenty of ways to compensate for time preference without resorting to compound interest

The math of debt is algebraic, you can move the variables from one side of the equals to the other by an offsetting operation but only changing the parameters has an effect on the total.

If houses cost too much, you *could* try to make houses cheaper. Or if too many people want them, you *could* reduce the number who can. Hell, just one mass casualty event or chemical leak can really reduce the price of a place.

Improving the economy and reducing immigration and expelling illegals all would help the cost of homes. Simply paying the credit card in full each month means paying no interest at all. Opening a banking account instead of using a check casher means no fees. Etc.

But people are blaming the equation for total and ignoring the parameters because those aren't as fun to talk about.