You’re 30, eyeing a $450k “dream” home. 30-year loan? $2,844/month, done by 60—$536k interest. Trump’s “bold” 50-year fix? Drops to $2,537/month… but explodes to $1.07 million in interest. You’re 80, still mortgaged to the hilt, equity? A joke. Banks toast, builders gouge, pols preen. Gen Z? Trapped in debt till dust.