Welcome to the Debt Prison: Why 3% Mortgages Are Dead and the American Dream Just Got Buried
The Death of Affordable Mortgages
Let’s be blunt: Kevin O’Leary, one of the few mainstream money men willing to occasionally speak without a script, just told America what the government and central banks won’t. Low mortgage rates aren’t coming back — and it’s not some accident of economics. It’s by design.
The headline-grabbing quote was clear: “The idea of a 4% mortgage rate, or 3.5% – it’s never coming back, ever.” He’s right — and he laid out why. We’re talking about a mix of deficit addiction, tariff warfare, and a Treasury market detached from reality. The Fed can tinker with interest rates all they want, but as long as the structural parasites stay embedded in our system — bloated government spending, artificial trade barriers, and a housing sector suffocating under regulatory red tape — the cost of borrowing will remain sky high.
The New Feudalism: Permanent Renters
For young Americans, this is the kill shot to the dream of homeownership. You're being herded into a world where renting from corporate landlords — BlackRock, Vanguard, pick your poison — is your only option. The new feudalism doesn’t come with castles, it comes with 800-square-foot apartments and biometric keycards.
And don’t let anyone gaslight you into thinking this is “normal.” For decades, 30-year fixed mortgages hovered around 6% or 7%, yes — but that was before the Fed broke the system with artificial QE (Quantitative Easing) and decades of suppressing real price discovery. Those 3% rates we saw during COVID weren’t a gift — they were the result of economic manipulation so extreme it broke the bond between work and reward. Now they want to slam the door shut and pretend those days never happened.
Tariffs, Inflation, and the Real Cost of Building
O’Leary points out that this isn’t just about interest rates — it's about policy-driven inflation. The raw materials to build homes — copper, aluminum, lumber — are all bloated by tariffs upwards of 35%. Builders are stuck. They can’t afford to build, and even if they could, permitting is a bureaucratic nightmare. Supply stays low. Demand stays high. Prices soar. You lose.
What This Means for You
- If you’re in your 20s or 30s, expect to be locked out of the housing market unless you’re willing to move to rural zones no one wants.
- If you’re saving for a down payment, know that inflation is eroding your cash faster than you can build it.
- If you’re hoping for rates to drop — don’t. Hope is not a strategy. The elites already bought their homes. Now they’re jacking up the ladder.
This is the economic endgame: Manufactured scarcity, financial dependency, and a middle class converted into permanent renters. The old American Dream has been repossessed, not by market forces, but by policy — steered by global interests and unelected bureaucrats.
Call to Action
If you think this is just the start, you’re right. The system is showing its hand. Protect yourself before the next phase hits.
Download "Seven Steps to Protect Yourself from Bank Failure" by Bill Brocius now.
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The game is rigged. Don’t play fair — play free.
