Agreed. But then people being pushed to buy houses with credit is what flooded real estate market with cheap liquidity over decades and caused over pricing. Yes, I worked my ass of to get to decent pay, didn't spend frivolously, saved and invested and bought in cash a small house surrounded by empty houses as they were all dominantly second homes. Then just started saving again till could move on. Cars always used, never new. Always took saved funds as budget limit and spent 80% on the vehicle, leaving 20% for the repairs I new were going to happen. Seemed logical. I have lived debt free my entire life. 

Maybe my perspective is wrong but if you don't earn enough, find a way to make more. Everyone being pulled into this whole credit based system seems to just flood economy in cheap credit, reduces value of money and drives up prices. Much of the time, it's also really obviously stupid. I met a chap at a friends birthday and he said he was always stressed. Really successful high earning program manager but had 1.5m mortgage. He was just miserable because trying to live way beyond means. We all make our choices