"In general, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable. If taxable, you must report the canceled debt on your tax return for the year in which the cancellation occurred."

https://www.irs.gov/taxtopics/tc431

Happy Tax Day

I think it is funny that you are confusing interest rates with inflation, but do continue, I still have some popcorn left..

Fact: https://fred.stlouisfed.org/series/MORTGAGE30US

Yeah you're right. Owning you has little value.