Paying Off Mortgage With Personal Loan

For a few years now, I've been periodically hearing people on real estate podcasts talking about accelerated mortgage payoff strategies in which they either use a personal loan to pay off their mortgage or somehow use a life insurance policy to do it. I've read a few e-books on it and watched some videos, but I can't wrap my head around it. Here's an example of one:

I follow along with the numbers until like the half-way point and then I lose him. He argues that your mortgage (or car loan) interest rate isn't the effective rate and you're better off playing off a mortgage with credit cards and then paying the cards. That doesn't make sense to me, but there are people making videos and writing books about this. There must be something to it, right? But they're also selling financial products.

My gut tells me this is a sham, but it would be so powerful if it were real that I keep being drawn to investigate. The only accelerated payoff strategy I know of is putting extra money to principal, which is what I've been doing. Can I write this off as a sham and move on already or is there something here?