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.

Allowing financial system abstraction on one end, and allowing our brains to rot on the other.