Absolutely. There are payday loans (poorly developed systems) that are clearly always a bad idea, and then there are mortgages (well-architected w/ focus on min

Absolutely. There are payday loans (poorly developed systems) that are clearly always a bad idea, and then there are mortgages (well-architected w/ focus on minimum viability) that get you much farther in terms of realized value than you could by saving up for a house (over-engineering).