$90k is absolutely life changing for most people. That's a down payment on a house plus moving costs and upgrading appliances and furniture. That's the difference between poverty and living comfortably. If that's not life changing for you, then I'm not sure you're familiar with the struggle, in which case I strangely both pity you and envy you.
Sure you're not gonna buy a mansion with $90k, but you could go from renting a shithole apartment in a shithole town to owning a home in a decent area with access to better employment to sustain a much higher quality of life. $90k is a ticket to escaping geographical and financial shackles.
Sure, but mortgage interest can easily be enough to make that worth it without any other deductions. With $300K principal and a 5% loan, that’s $15K - about the same as a single taxpayer’s standard deduction and roughly half of a married couple’s standard deduction.