Yeah sounds right. Same for college - a class would probably cost the same as lunch, and the whole degree system would vanish cuz its garbage.

An option that I've wondered about is - why doesn't the seller of the house lend the house directly to the buyer in exchange for that 30 years of payments? Is there some law forbidding it? No one needs hundreds of thousands of dollars in that scenario. But I've never heard of it happening. I also pay almost no attention to this stuff, so that doesn't mean much.