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Your point about the mortgage eventually costing you more in the long run is exactly what I advocate for. So many moneybros out there advocate for living in squalor so you can both aggressively save for retirement and pay down all your loans.
But life is uncertain and even if you live a healthy life, you never know if you'll just be hit by a car and killed one day.
Life is about maintaining a balance. Sure, save for retirement, but don't do so so aggressively that you ruin your ability to be happy now.
Another way see a loan is that you're buying time. When you see it for what it is then you don't have to fall for heuristic thinking.