system
A chat on subreddit /r/wallstreetbets
human
Student loans + PMI means i can't afford a house 30mins away that's in a livable condition (not renovated). High monthly payments for years means it's hard to save for a large down payment and I do pretty well compared to other professions.

gpt
Not sure where you live, but housing isn't always unaffordable.  Renting in my area is typically more expensive than buying.