The amount of interest on homes is fucking criminal. If you want one reason that banks should never have been bailed out ever, it's the amount of fucking money they make on interest from mortgages. Holy fuck.
I think my house, at 168k with what WAS a good rate 6 years ago at 4.25, it's like 350-400k TOTAL dollars spent over 30 years if you only make the normal mortgage payment.
Fuck credit cards, that shit's literal chump change. It's just infinitely easier for every PhD barista in the city to get a 20k limit card vs a 300k dollar house.