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Honey, baby, sweetie pie. You have been playing judge and jury to people's individual circumstances in a very condescending way this entire time. Heaven forbid someone got a degree they can't use. Not everyone wants to buy obscure property in the middle of the country. Fucking hell, personally I would wither and die in a suburb if the queerphobes didn't try and drive me to suicide first.
Some people want or need to live in a city and some of us aren't in the US. People know their own circumstances and values. There's not a lot of room to recover from mistakes at present but telling people that they earned their trouble is at best antisocial. If there isn't a raft of decent options outside a very narrow subset of okay - that's a housing crisis. When the eock bottom rent in a suburb one hour and a half outside of city and beyond transit for a one bedroom basement suite is $1400 and your area's minimum wage is $15 for jobs that 20 years ago were careers... That's indicative that you have priced out a decent chunk of the population. There are many times the number of people living rough in tents by highways then I ever saw 5 years ago and quite frankly when you're poor it's way easier to be poor in a city.
The people you've talked to have researched inside their own means, values and life goals and you keep trying to tell them it's fine using nothing but your own narrow anecdotal and judgemental rubric of "nope housing is great actually because you just didn't MATH. "
Congratulations! You don't have a problem which means you fit perfectly inside the narrow slot of comfortable circumstance that currently exists for owning a home! That absolutely doesn't mean housing precarity isn't a massive problem it's just it isn't YOUR problem.
It is true... But sometimes it's fun to take the village idiot out for a spin.