> I think if anyone truly wants a home and is willing to do whatever they need to in order to get it, they can get it. Same goes for just about everything else, if you want something, and you're willing to do whatever it takes to get it, you can do it.

You may be right, but people come in a normal distribution, with most being just average. To "do whatever it takes" implies a person on the extreme right of the distribution, and most people aren't there. So while it may be possible to buy a home, if it takes extreme effort to do it, most people won't.

Whereas, when I grew up in the 60's, my dad worked as a bag boy at Kroger, then a meatcutter. We had a small 3br house, 2 kids, a car, a motorcycle, a boat, insurance on all this stuff, and mom worked out of the house doing babysitting and ironing. They were still in their early 20's and got married right out of high school. We eventually had 2 cars while still in this house, around '65. Nothing even remotely like this would be possible today.