The fact that someone with 30-35 years of life contracts a loan that he will repay for the next 25 years is a fucking frustrating situation.
I have a friend in the neighborhood, who bought an apartment with a very high monthly payment, which takes more than 60% of his and his wife's salary, but he had an attitude, he takes a loan for 10 years, in which he will pay the maximum amount, but after 10 years, he will not do it anymore to be afraid of loans, interest and mortgages.
Another example is my brother, who has been renting a house in Scotland for years, but after recalculating how much the monthly rent would cost him, and how much the monthly installment for a house twice as big would cost him, he decided to go for a loan. now he has a good business and does not worry about repayment. he also took life insurance that would provide for the family, so that their house would not be worthless...

And me? I have no debts, loans or mortgages. I work hard, I get paid for it and I don't need loans for now.

In addition, I pay small amounts into a private pension fund, I pay life insurance, and I also have some investment in crypto.