You work so hard, finally build up some savings, only to realise the government doesn't want to explicitly tax wealth so they do so covertly by printing extra money.
Not only that, but in order to stimulate the economy they've been forcefully keeping the interest rates as low as possible for over a decade forcing the house prices through the roof.
So if you decided buying a house was too risky because getting a high mortgage would expose you to too much leverage, you missed out on the wealth shift to real estate owners that low interest rate created as a side effect.
Yet even though on paper a lot of the house owners are now more wealthy, they are at risk of losing a lot of money if the interest rates go up more. The house you bought for 800k might be worth a lot less in a few years, or maybe not.
Now I don't know if things would be better without all the monetary games, but they for sure would be simpler.