Let me ask a really stupid question: isn't AGE the most defining factor here rather than race etc.? Especially percentage of those owning a home without mortgag

Let me ask a really stupid question: isn't AGE the most defining factor here rather than race etc.? Especially percentage of those owning a home without mortgage - if anything, fractions of a percent may buy a home they'd live in outright, so it must be just because they already paid out that home, and they are old. Same for the large percentage of women in lower earning groups and larger overspending there: that's natural, young women make less money, but they also get a lot of money from boyfriends, frequently those in the top income group, and spend it, so why is that a problem at all?