100% agree with the title, imagine paying 50 years FIXED mortage 45 years from now with current 10 % real inflation. I am pretty sure you'd be laughing at amount of montly payment :D and should consider yourself lucky if you were able to buy a lunch with it ...

ps. but we shouln'd be incentivize people to take mortages in first place, you should buy what you can afford with money you have - this is what is fundamentally wrong with society today and maybe this is what slavery is meant to be ( or at least one side of it ) in people you mention, 99 % of people are slaves in that regards and almost noone has savings