Sorry, but you are not entitled to a house or any loans. This is not "elites shaping the behavior of commoners", this is just common sense. Loaning money to people is an investment and giving money to people who have no history of even paying off a simple credit card bill doesn't make sense.

It's like being 20 years old and creating a new startup then wondering why investors don't want to give you any money so you can hire out staff and build a product.

It's not inherently impossible to get a loan with no credit history, just really difficult to do without something else to inspire confidence.

And frankly, considering how easy it is for any Joe to build a decent credit history from just using credit cards I'd say most lenders are actually doing consumers a favor by lending them such vast amounts of money on such a basic premise. I know if it were my money I'd be way more conservative.