While I appreciate the goal of making homeownership more accessible for young folks, pushing for 50-year mortgages feels like a step in the wrong direction. It's essentially extending the chains of debt even longer—imagine spending your entire working life, from your 20s to your 70s, funneling money straight to the bankers. 
That's not freedom; that's lifelong servitude to interest payments that balloon the total cost way beyond the home's value. We're already seeing how 30-year terms trap people in cycles of debt, and stretching it to 50 years? That's just amplifying the problem, turning housing into an even bigger wealth transfer from the average Joe to the financial elite.

And let's not forget the historical and moral angle: Usury—charging excessive interest on loans—has been condemned in Christianity for centuries, seen as exploitative and sinful (just look at passages in Exodus, Deuteronomy, or even Jesus driving out the money changers). Normalizing ultra-long mortgages reeks of modern usury, prioritizing banker profits over people's well-being. Instead of longer terms, why not focus on real solutions like building more affordable housing, cutting red tape on construction, or reforming zoning laws to actually lower prices? FDR's 30-year mortgage was a product of its time during the Depression, but in 2025, we should be evolving beyond debt traps, not doubling down on them.