If Bitcoin continues its historical appreciation, interest rates on loans collateralized by it will decrease over time, potentially leading to monthly mortgage payments that go down, with more money going to principal than interest.
"if Bitcoin does what it was designed to do and has done since its beginning, what's going to happen is over time your interest rate is actually going to get lower and lower. So you can imagine a day where you get a mortgage and maybe every single month that mortgage payment actually goes down not because of anything that you did but because the performance of Bitcoin over time drove value into your collateral making the loan less risky for the lender and interest rates not just being a function of supply and demand but also of risk. Lower risk lower rate and through that mechanism you can be empowered over time. Imagine that looking at your mortgage and most the money goes to the principal, not the interest."
