Most do not. Financial illiteracy is rampant; most do not understand how to use credit intelligently, or to figure out how much interest rates cost them if the

Most do not. Financial illiteracy is rampant; most do not understand how to use credit intelligently, or to figure out how much interest rates cost them if they do use credit. Consequently far too many people either avoid using credit entirely, or treat it like monopoly money and content themselves with paying minimum payments. Besides, an alarming percentage are still working shit jobs for no money, and paying everything extra towards college loan bills for degrees in useless things that do not make them employable, or worse, that they did not complete. The idea of socking away enough money for a down payment on a house is, depending on where you are, a daunting to Herculean task. When the dating pool is filled with other people in a similarly fucked and precarious position as yourself, incentives are not great to pair up and expose yourself to a partner's poor financial decisions, further depressing the drivers to home ownership. So a lot of people just float around hedonistically, and maybe start to wake up and become an adult around when they hit thirty. Or not.