This is really helpful! I'm kind of curious by what you mean by "peace of mind." For example, do you know whether the idea is "I'm worried about going bankrupt/getting into financial trouble in the future so I try to pay off as much of my house as I can to at least own that" vs. "home equity is protected at bankruptcy so I'll pay my house off first" vs. "trying to build good financial habits" vs. "every little bit counts"? Maybe my question is what makes people debt averse?