What about the arguments arguing for the idea that paying interest is haraam? Have you conveniently chosen to ignore those? It seems like you are fatwa shopping. I find it funny that you say “your” ideas when these are in fact Islamic ideas and principles. Nobody has said not to educate yourself and live a decent and noble life. But for some reason you feel that its an absolute necessity to own a home and that one’s survival depends on it.
Just think for a minute, is taking out a 35 year mortgage not surrendering yourself to the “more powerful people” around you? Have you forgotten the economic meltdown which took place recently.