Hi Opher,

Thanks for the comment.

I disagree that there it “never makes sense”. I do agree that money would have better returns if invested elsewhere. If all people were completely rational You’d be right, it would probably never make sense,

But people are not rational. For a lot of people the idea of having any debt (including a mortgage) drives them up the wall. If you’re going to sleep better at night it’s a good decision (even if it is not optimal) for that person.