The “Golden Handcuffs” are real: Is anyone else staying in a house they hate just because of their 3% rate?

I was talking to a friend yesterday who is miserable in their 2-bedroom condo but literally can't afford to move because their current mortgage is at 2.8%. If they bought a similar place today, their payment would nearly double.

It feels like we're in this weird era where people are "house rich" but stuck. Has anyone here actually bitten the bullet and given up a sub-3% rate for a house that actually fits their life? Or are we all just waiting for the mythical "rate drop" that might never happen?