Are you Swiss? I'm no expert but from talking to Swiss people, their mortgage system is very different from the American one, and people are in no hurry to pay off their mortgages, and often they're never really paid off. Americans might find that appalling but the Swiss people I've spoken to find it normal. Tax incentives also help with this.

It is the UK/Nordic system which I find morbidly bad. It already assumes you will never pay off the property and you pass it down to family and children, possibly multiple generations. It allows for property prices to go to the moon instead of incentivising for affordability. Makes for a system giving up owning property. How did we humans come to this.