Soooo, you are taking out a long term loan, with a lower interest rate, then you are paying off (whatever) sooner without paying a penalty or without paying the whole rate of interest ?
Humm, I will have to give this some thought but, it sounds like we are setting ourselves up for another economic collapse.
The banks ; on there books ; think that they will have X number of dollars coming in over X number of years. If they don't get it because everyone pays off their loan early then that will be a problem.
But, I am not a economist. I am just thinking out loud.