A 38 year loan term is not ‘normal’, one thing to consider though is that in 38 years at an average inflation rate of 2 percent the money would be worth 2.12 times more. So even if you are paying 66% on top of the loan, inflation makes the final payments a LOT cheaper.

No way a structural collapse caused 200k deaths unless it was a dam. In which case it would be a flood.

Edit: Its also disingenuous to say 4 million people died from a flood when it’s the total potential deaths from starvation, cholera, etc for years after.