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“You can’t afford it” Just take a loan, you’ve got all of eternity to pay it back
That puts too much blame on individuals instead of the system. These aren’t bad apples, the system isn’t broken. The system works as intended, it’s just that most of us are on the losing end. Also: there is no alternative.
The system is broken, though. It’s unsustainable in the long term. There are alternatives.