I notice and acknowledge this as well, but it's the same conversation about starter homes: if you are currently childless and you were to become pregnant today, you would not start using or benefiting from a school district at all for another 5-6 years. Why pay the premium for a nicer school district that you aren't even using? You're essentially just throwing away that money for half a decade, and who's to say if that school district will still even be a good one 5 years from now.

Why not move into a cheaper starter home now, and then once your child is about to start school (and you presumably have gotten some raises and built up some wealth), move into a more expensive house in the better school district? That's what the entire concept of "starter home" is about.

So now the conversation becomes: it's not that this person can't afford housing, it's that they can't afford housing that has an amenity they won't even use... which makes the entire situation seem even more silly.

"Not a good school district" is usually a proxy for "not my social class / ethnicity" ;-)