I didn't mean it's necessary a bad choice for the individual, just that it's a systemic issue. When people only think in terms of monthly payment, then total p

I didn't mean it's necessary a bad choice for the individual, just that it's a systemic issue. When people only think in terms of monthly payment, then total prices become unmoored from fundamentals. But I agree I haven't (and probably can't) spell out this intuition rigorously.