system
A chat on subreddit /r/wallstreetbets
human
You agreed to pay 500k for a mortgage 10 years ago and you're locked in at X interest rate. 

Y (the inflation) is much higher than X, therefore you save money as the 500k even with interest compounding is worth less now than what you got in exchange for your home 10 years ago. Essentially you bought it with 2013 dollars but you pay them in 2023 dollars.
gpt
Just trying to understand... Doesn't this presume that you're bringing in those "2023 dollars" easier than you were in 2013?