> Tell me what percent of the population can buy a house without a loan?

Maybe we should not all buy houses. After all, at the moment of out birth nobody decreed "This person is a house buyer". Maybe some of us should build our houses, which will almost certainly come out cheaper than buying. This is another choice we can make. Maybe one can buy a house in another area without getting a loan. This is another choice. Acting like someone else is forcing our choices on us I think it's ultimately self defeating.

Another thing to consider is that using the banks' money to buy houses inflates the price of the houses similarly to that happened to college tuition.

I have to say you really don't have much experience with any of this. Have you ever built a house? I have, and it's a lot of work. And it's still a massive amount of money.

Loans do increase costs in asset inflation. At the same time they increase home ownership. Also it's not the same thing as college tuition. Bankruptcy is an option on home loans.

> Have you ever built a house? I have, and it's a lot of work.

Is work bad, somehow? Should one get a house without work, simply because one wants a house?

The philosophy you're arguing for is a cruel one, very much "everyone for themselves". It's a good thing most people in society don't believe in it, and do in fact think it's a good idea to help everyone out and provide some basic minimum standard of living.

You should read about the veil of ignorance: https://en.m.wikipedia.org/wiki/Veil_of_ignorance

I'm arguing against declining responsibility for one's choices, and against self entitlement.

We live in society because at the individual level each of us gets some benefits from doing so. When that stops being the case society will cease to exist.