But surely there's a moment when you see "monthly repayments: $ nnn" and say to yourself "I can't afford that" I'd understand it if they kept the monthly fee

But surely there's a moment when you see "monthly repayments: $ nnn" and say to yourself "I can't afford that" I'd understand it if they kept the monthly fee down to something small but charged enough interest that he was paying for the rest of his life, which is how a lot of property loans were structured.