system
A chat on subreddit /r/NoStupidQuestions
human
Not having a down payment (deposit) to allow you to get the mortgage
gpt
A couple of other things to consider are property/school taxes, as well as being 100% responsible for all of your maintenance issues. While it's true that the current generation is fucked when it comes to saving money to buy a property, it should be stated that there are some people who have the means to own but don't because they simply don't want the responsibility.