Misguided? It's just data, man.

The idea that we're better off because of fiat is a total joke.

Only 40% of American homes are owned mortgage free, not 65%. It's really easy to find that number. More importantly, those homes are owned by boomers. No one else can afford them due to the divergence of wages and prices. Real inflation in the US in just the past 5 years is close to 30%. Store of value assets like homes have inflated by 200-300%. This is due to fiat money printing and isn't sustainable. In this system, people will never get out of debt.