It is to me.

This kind of reasoning, that the monthly payment is the only important part, is exactly what should worry people about the idea of a 50 year mortgage! The average person/family doesn't but a first home until age 28-35 years old. That means you are signing up for a "work-till-death" program. At least with a 30 year mortgage it's paid off by normal retirement age!

Same with insurance, how much per month

And it’s sad that people has to pay so damm much for a decent car nowadays and insurance !! I remember buying a great car for four thousand dollars and drive it everywhere even on 2000 mile trips and drive it for ten years and that was only twenty years ago !!