There is nothing stopping anyone from buying assets with their savings. I'd argue it's actually easier than ever. The problem is people have no savings. There i

There is nothing stopping anyone from buying assets with their savings. I'd argue it's actually easier than ever. The problem is people have no savings. There is an underclass of people who legitimately have no ability to build savings. For the rest, they just have a broken view of the world that causes them to spend more than they bring in and build debt rather than assets.