You guys are overthinking it. People are living 20 years longer than when 30-year started, dumb people can only plan as far as their monthly bills (if that), and houses are bigger so cost more.

edit: lol as predicted, the "I hate you for telling the truth" downvotes already coming in.

You guys are overthinking it. People are living 20 years longer than when 30-year started, dumb people can only plan as far as their monthly bills (if that), and houses are bigger so cost more.