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There is so much stoic wisdom to respond to this with. Momento Mori would be the most widely known idea, Negative Visualization is similar to that, and the Last Time Meditation is a more obscure one.
There are people who know they will die in the next week. If you can pay your mortgage, and you have good health, that is reason enough to be joyful. Those people would do anything to trade places with you and your good health and your mortgage payment.
There are people who cannot pay their mortgage. People who got a foreclosure letter from the bank last week. Would Lindsey Graham rather us all be in a miserable situation like those pitiful people?
Sure, paying your mortgage is not great, but you can mope about it, or you can be joyful with what you have. You will not have another today. Would you rather spend it moping about what is impossible to achieve today, or joyful about the positive things in your life right now? I know which one I would pick.
At the same time, I know this may be hard to grasp because it took me decades to discover that joy can be a choice. It can be really hard to see that, which is why I pity Lindsey Graham.
I definitely chose to spend my day organizing for better conditions instead of settling for scraps and being joyful that other people have it worse.