There’s a commercial for Rocket Mortgage that runs during NBA games. It shows some schlub walking into his house with three bags of groceries while a voiceover says “those three bags of groceries used to be six bags”. Then the house starts talking and reminding him that he can take a second mortgage on his equity and use the money to buy groceries. The schlub becomes ecstatic and dances into the house. It’s astonishing that RM is able to convince people that taking on debt to pay for basic necessities is a great thing.