Yeah my mortgage being in my name and being forced to pay with fiat is a major privacy concern. Unfortunately in the US it's mandatory unless you create an LLC structure and manage to get a loan via the LLC. I didnt have the capital or the bandwidth for a move like that when I bought so I didn't. I plan to in the distant future though.

The most private way I could think of paying my mortgage is a money order paid in cash, this is more expensive, slower and less secure however and since the mortgage is in my name I decided the tradeoff was insufficient.

Idk what this has to do with Monero's privacy though you keep bringing this up but it's a major goalpost shift that is ultimately a non sequitur to the main argument.