Dude, I have no idea what gave you the impression that I was confused about any of what you just said.
The commenter above me struggled to understand the article and thought that the author was trying to convince individuals to abandon their existing mortgages or to stop refinancing them when lower rates justify the cost of doing so.
Even under ideal conditions, efuels are still very energy intensive. It's also interesting that the biggest advocates for efuel adoption are oil companies.
https://www.reuters.com/business/autos-transportation/what-are-e-fuels-can-they-help-make-cars-co2-free-2023-03-07/
You also should try to elaborate on what it means to "cheat" because it sounds like you are just making up a Boogeyman after listening to too much Fox News.