Not 'more simply', there are basically zero savings accounts that are going to net you a 5%+ interest rate to give you that $100 a month. And that $25k becomes less valuable over time. $25k is now only worth $19k because inflation.
Do you think monthly AI 'subscriptions' are going to be $100 a month in 5 years? These people using these would probably be on $200/month subscriptions and with that OPs assertion of 'shoving away and paying with interest' makes no sense.
