It's also a selection bias-- $5000+5000n effectively rules out most people who are farther along in life.
I have no idea how you could possibly say "No it doesn't".
It is probably true that people with more fiduciary responsibilities have more to think about when taking the plunge, but that is a tautology. People with more responsibility have more responsibility.
My point is that even if you have a house, cars, kid(s), student loans, etc. you can do it. It just takes a bit of planning a maybe a little help from your friends & family.