I wanted to comment on your statement that there is an ethical issue with taking out a loan if you think the payment date is post-singularity. I strongly disagree. Do you believe that a bank that believed, due to proprietary interpretation of public data, we would soon enter a period of rapid deflation would disclose this to you when you signed up for your 7% 30 year fixed rate mortgage? Unless you have some sort of private data, such as an existing Singularity on your home pc just waiting to be unleashed, then you are just a person with a different opinion and have no obligation to disclose why you are choosing a certain payment date.
I wanted to comment on your statement that there is an ethical issue with taking out a loan if you think the payment date is post-singularity. I strongly disagree. Do you believe that a bank that believed, due to proprietary interpretation of public data, we would soon enter a period of rapid deflation would disclose this to you when you signed up for your 7% 30 year fixed rate mortgage? Unless you have some sort of private data, such as an existing Singularity on your home pc just waiting to be unleashed, then you are just a person with a different opinion and have no obligation to disclose why you are choosing a certain payment date.