Plenty of people are happy they took those kinds of risks.

Maybe also consider if they are "good people" that work in the community and just want a safe place to raise their family. 

I help people get funding (mostly through Chase) with good terms like 0% interest for the first year.

You can get foot traffic and people driving by.

My first home was 6% and my wifes was 8%, so people looking at 7% today as crazy - that was normal.

What you need to learn in your 20s is how professional business works, how to manage people and projects, how to run an organization and how to sell ideas and concepts.

No offense, but telling people "that's not a good way to do it" and nothing more seems like a little league coach who tells his players "you're doing it wrong" but then doesn't give instruction of how to do it better.

Communication is easy people.

Not many people dig too deep on the actual requirements so kudos to you.

I am that guy in the comments that calls these people out.