Credit cards are high variable interest rate. Mortgage is a low fixed interest rate. Real estate is a relatively fixed supply. There's only so much usable land in the world. A mortgage is a good hedge against fiat inflation, especially if you invest the proceeds into Bitcoin.  

 What about ppl with unusually high cash flow? Surely the CC is a better....oh never mind 😅 

 theres not so much limit to vertical scalability for real estate