How come nobody talks about RENTING a house until youcan afford to BUY one?
What's the first thing a low income person does when they get a better job? They move to a better place. What's the best way for a low income person to find a better job, or any job at all? Move to someplace with a job. Getting stuck in a house mortgage in a place with no good jobs is a really stupid idea. Even the auto workers found out that good jobs can be quite temporary in a one-industry town, and you are stuck if you get underwater in your mortgage.
This was a crime against low income folks, locking them yet further into life-long financial troubles.