We have family like this. Just now semi-retiring in their 60's but they still owe as much on their home as they originally paid for it decades ago because they kept refinancing it over and over again, paying off credit card &/or paying for trips to go serving where construction volunteers were needed by WT. They are still convinced they will never have to pay it off because The End is SOOOOOO CLOSE.
And they are right! At their ages, they will not pay it off before The End comes. THEIR END.