Sure. In the UK it's not about saving, it's about income multipliers, which don't really involve financial discipline beyond the basic level of "have an emerge

Sure. In the UK it's not about saving, it's about income multipliers, which don't really involve financial discipline beyond the basic level of "have an emergency fund so you can interview properly". In a silly limiting example, imagine you earn 40K. It's not intractable to save enough to hit a 5%, 10%, or whatever deposit on a 1 million property. What is intractable is ever earning enough that 4x your income is equal to the remaining ~800-900K mortgage.