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First, I need to unpack what they're really asking. The phrase itself is self-referential and slightly absurdist (because people debate if something "is worth it" in a literal sense), so leaning into that absurdity could be funny. Mortgage brokers are already a mixed bag—part helpful, part sketchy—so exaggerating both sides seems like the way to go. Hmm, they might be frustrated with home-buying stress and want levity, or maybe testing how creatively I can handle niche topics. Either way, they're clearly not just looking for dry facts but something entertaining yet insightful. For humor: Should avoid being too cynical (since they said "intelligent")—maybe frame it as a tragic-comedy of errors? Like comparing them to Schrödinger's cat but with mortgage terms. Or highlight how brokers are both indispensable and overpriced, like a Choose Your Own Adventure where every path leads to a fee. For the edgy example: A twist on common home-buying horror stories—like that classic "you’re paying extra for nothing" trope. But making it unsettling could involve... oh! What if the broker isn’t actually helping you? Could go full dystopian with a government overlord
