I hear you. I'm getting to the point that my mortgage balance is ~$100,000, and it's at 2.6%. The spread between what I can earn from that 100K versus what I pay in mortgage interest is becoming less and less material. Focusing on the small amounts can distract you from the larger amounts. Now if someone has a 800K mortgage @ 2.6% that is different. I'm rapidly saving to pay it off but not making early payments yet.
Some personal finance videos have shown me that worrying about the small amounts isn't worth it. For example someone who earns >$250K and they talk about financing their new $2K sofa because the furniture store offers them 18 months no interest. Even assuming they make all of their payments on time, why deal with the hassle. In that scenario who cares about what you can earn from that $2K.
To be clear, I'm not some Dave Ramsey anti-debt person but I can understand that as you get older, there are fewer reasons to carry debt. But I understand reasons others do, and I have zero problem with that.