Let's say the rules right now permit 30 year mortgages. Someone suggests allowing 100 year mortgages. I don't presently own property, but I have $300k saved up in the bank, which is enough to get a low-end apartment that would be a step down from where I'm renting now, or enough for a mortgage downpayment on a house. I don't want to live in debt so I have no plans to get a mortgage.

Should I believe that these rules changes won't affect me, because I don't have any plans to get a mortgage?

Or should I be worried that the cheaper availability of credit will quickly put those entry-level apartments out of my price range?

Basically, my point is that changes in details regarding contracts that I'm not a party to can still significantly affect me!