With lower mortgage rates, monthly payments are smaller, which frees up cash. For example, for a mortgage rate of around 6% compared to 6.85%, the difference in payment on a $600,000 loan is about $310 per month.
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That said, it's important to recognize that locking in itself is not bad. It does, in fact, serve an important purpose to ensure that applications properly and orderly consume or produce data. The key challenge is with the original manual implementation of it using APIs like getReader() and releaseLock(). With the arrival of automatic lock and reader management with async iterables, dealing with locks from the users point of view became a lot easier.