Reminds me of a conversation with my puzzled barber many years ago.
"I think you're a smart guy. So, I don't get it. Why don't you have a house?"
I looked at the Boomer Barber with mild amusement and asked, "What was the price of your house when you bought it?"
"$55,000."
"Do you remember your annual income at the time?"
"Hmm, about $20,000."
"What was your mortgage payment?"
"Oh, my dad gave me a gift and I borrowed money from a relative."
"How long did it take to pay off this loan?"
"About two years."
So, sometime, in the 1970s, a barber in Canada, with zero college degrees and a single income, and a family loan, bought a house and had it all paid off in two years.
During that haircut, my post-university-degree income was about $50,000 and the average price of a house was close to $1,000,000. Alas, no monetary gift from dad or a family loan. Forget two, it's not even possible in twenty years! It's so bizarre when these people can't see or recognize this basic math.