However incompetent, corrupt, and/or behind the times that you think the medical system is - it's much worse.
Having been in the system for almost 15 years, I would trust most "gurus" on Twitter/X more than I would anyone with a fiat medical degree.
The 50-year mortgage idea really is an IQ test for those that don't understand how to leverage debt. With a lower payment & interest rate, if you put the savings (the difference between your old & new payment) into an asset that grows faster than the mortgage interest rate
which is obviously Bitcoin
then you just covered the difference in total interest - and then some.
You don't have to do a 50 year mortgage if you don't want, but if the terms are favorable, you can bet I will.