The process is a pain, haggling over the price, haggling over the inspection, haggling with the wife over a new roof or an updated kitchen.paying the mortgage sucks more
How about paying your mortgage off, and still having to give the town 11 bucks and change every night to sleep in "your" house?
Yes, it totally sucks having to pay 11 bucks so you can sleep at night knowing the fire dept, police dept, and public works dept are all at your call should you need them. It also sucks having to pay 11 bucks a day knowing that some portion of that money is going towards a quality education for my children. It also sucks that 11 dollars is far cheaper than the 80 dollars (2 kids) for daycare, and far cheaper than private school. Also, 11 bucks is cheap, we pay closer to 30 a day and we do not live in some McMansion, just a regular old 3 bedroom on a double lot in town.
I was being a bit of a wise ass, but as for being able to sleep at night, when every second counts the police are only a half hour away (my neighbor called them one night a few years ago due to an intruder, yes 30+ minutes).
And if you really want to get mad at the mortgage, google "fractional reserve banking." The bank does not lend out a penny; the money is created out of thin air by the act of borrowing. So, you then get to pay the bank back the money they didn't have, plus interest. Quite a bit of my $11 bucks a night is going to pay "back" money the town "borrowed" as well.