

The amortization length affects proportion of principle paid down, but it doesn’t eliminate it entirely. At the same interest rate, you end up having paid more in interest at maturity of a longer amortization, yes. In practice, this can be mostly mitigated by negotiating a lower rate, or negotiating and exercising prepayment privileges.
More importantly, with a mortgage, ownership of the property is yours entirely, from day one, not the lenders’. What you owe is cash, not the property. The property is merely collateral in the event of default of payment.
BTW, multi generational loan agreements are not new. They are somewhat common historically and in other places of the world. For the same reason that multigenerational housing is the historical norm.









“Selfish” would be a situation where sufficient community exists that cooperation is at all possible. I think most preppers will simply tell you that they are expecting and prepping for complete collapse. As in, like it or not, “every man for themselves” would come to them, not them seeking it out.
In other words, without arguing why a “every man for themselves” situation can’t or will never happen, the rest of your argument becomes irrelevant.
Now that question is fascinating. Haiti comes to mind as an example scenario. Are community-skills relevant in the face of roaming gangs and anarchy? I think that depends on how desperate these gangs are for immediate versus long term survival and planning. I’m also not sure Haiti is an exhaustive example of the types of societal collapse that are possible or likely.