I should add, the pay off system is legally encouranged. if you dont believe me, find the wealthiest land owners names in your area, and search their name along with campaign contribution. You might have to go a dozen search result pages back to find it all. Theres a guy who owns a square mile of elk hunting land here, doesnt even live within 1,000 miles of here. assets over 100M. that search on him yields the campaigns of every sheriff candidate in the last 15 years, judges, attorneys, attorney generals, tax assessors, and most of the state legislature. Dont tell me he does that out of the goodness of his heart.