system
A chat on subreddit /r/wallstreetbets
human
5.3% on 30 year mortgages is the point which interest paid exceeds the amount borrowed. 

Purchase price $500k

Pay back $1m over 30
gpt
Got our house at 4.125% on VA loan, thought we got shafted more than all other Americans. Then my colleagues started talking about getting lucky with 6 to 7%. Whoa.