Do you have a dumb question that you're kind of embarrassed to ask in the main thread? Is there something you're just not sure about?
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Notes -
What are you talking about? It takes 30 years to pay off a 30-year mortgage. Low principal and high interest is no worse than high principal and low interest, if the monthly payment is the same.
And according to the chart linked by /u/atelier, the average monthly payment had been going down in real terms until last year.
Low principal and high interest is far better than high principal and low interest. With high interest rates you can slowly remortgage as rates fluctuate, while with low interest rates if they are going to change they are likely changing up, which means remortgaging doesn't work and also you really don't want to sell your current house that you got on at a lower rate to move to a new one (even though it would be good for you and the economy as well) that comes with a higher rate, thereby discouraging people moving to where it is economically best for them.
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