My take is that people want security. It doesn't matter if today you're earning what might be considered a good salary if you can't own a home by the time you'r

My take is that people want security. It doesn't matter if today you're earning what might be considered a good salary if you can't own a home by the time you're in your thirties. Usually that's the time when people stop feeling invincible, notice slightly degrading health and realize that they might lose everything if something serious happens with hardly any time to catch up later in life. Maslow's pyramid is the key.