“Your take strikes me as a tad…”

I Didn’t attempt to define you at all. Only talking about the statements you shared.

My brother in Christ, Nihilism is not pop psychology.

Yeah but you could do that with the plan of refinancing in 5 years or so when interest rates are different. Still a gamble but you’re not stuck at 6.3.

I also think pop psychology is demonic and destroying our social fabric, in the USA, at least.

Your take strikes me as a tad nihilistic, aside from this.^ Example?

“This is fine.”

While I agree with you, I’d also encourage you to stay tuned to those children. It seems to me that certain traits come through on children regardless of parenting, as if the child was just wired for that certain personality quirk. Also, children sometimes become pretty self aware in their teens (certainly not always), and those teens tend to reverse the negative things their parents put on them. Just my experience so far.