It's the age old "people fail at X, because government and society conspire to sabotage them. But the exact POINT at which they fail, very rarely, is Y, so Y is

It's the age old "people fail at X, because government and society conspire to sabotage them. But the exact POINT at which they fail, very rarely, is Y, so Y is to blame!". Y is always unpopular, and usually banks, homeowners, police, large companies, older people ... never popular or large government institutions like universities, the education system, tiny companies, racism and expectations in the general population ... that are of course the real culprits. Lack of homeownership is not what's making the US poor lose money. Lack of income is what's causing lack of homeownership. Lack of income is caused by society and government sabotaging these groups.