Ludicrous, the private sector has absolutely no incentive to build something in which they have to wait 25-30 years to receive a return on their investment.
But they do have an incentive to find transportation solutions that have a return on investment of a couple of years. I'd argue that a faster cycle is much better with anything that deals with technology. Let's not spend decades to build the best horse drawn carriage in history only to have it passed by an automobile the day it launches.
Also, what about home loans?
Mortgage interest is paid off disproportionately sooner than the principle and the bank still has a claim on the property until the last penny is (re)paid. So long as they didn't finance a home beyond its value, they're ahead on paper well within the first year. (only needing to recoup the costs and commissions associated with closing the sale before the paper shows profit)
Further, the 30-year fixed-rate mortgage didn't really exist until the government got into the business of subsidies and guarantees. Before that, the standard were balloon payment mortgages with larger down payments, far shorter terms and the eponymous balloon payments due at maturity (which greatly favored the bank's end of the deal in practice).