So, there are plenty of reasons not to do it-
- the cost of mortgage "cash" is about the cheapest it comes, good times or bad,
- you've *already* reached financial security if you're only a pinball collection sale away from saving your house in a worst case scenario (so why pull the trigger until or unless you absolutely need to?),
- hassle and effort in selling and rebuying, what, 15 pins,
- emotional attachment- at some level?- to current collection, yes, no?

But, my sense is that a guy who can peg the value of his collection at a number like $97,900 is a brutally mathematical dude and you can get past all of those reasons. In which case, yea, I would agree that selling off all pins, pay off mortgage, buy pack pins over time with interest savings is almost a logical imperative.