I agree.
Also, when I drive around and see some houses being built, not only does it feel peculiar, but also I wonder to myself, “What in the world do these people think they’re doing building a new house NOW?” Where I once was curious, now, I find it, well, as you said, scary. That is a first in my lifetime. I have no idea how people really think they’re going to pay for them.
I am doing the same thing with cars now, too.