What makes Europe free speech more free than ours?
The gist: While free speech is a constitutional right in both the US and most European countries, free speech is now controlled to a large degree by social media companies in the US.
Here’s a good, short recap of a longer study on the subject from a US scholar: https://news.ku.edu/news/article/2020/01/11/study-analyzes-american-other-free-speech-traditions-suggests-inevitable-clashes
Right. A lot of European countries use ARMs a lot more. The only other country where 30-year fixed is the norm is Denmark, as far as I know. But Europe just generally has lower interest rates.