From an American perspective, the problem seems to be of payoff timelines. Struggling and working hard for years doesn’t sound so bad if there is a great reward

From an American perspective, the problem seems to be of payoff timelines. Struggling and working hard for years doesn’t sound so bad if there is a great reward on the other side. But when that reward is 15-20 years away, and is a basic house you can barely afford… something has gone wrong.