>Creating a house is a huge achievement, if you had to build it, and it's components, yourself, you would spend decades building a modern style house.

In my country the houses in the villages used to be built with local materials by the owners themselves, with some help from family and neighbors. The vast majority were very small even if the families were large but it didn't take decades or even many years to build them. Now houses are larger and built by dedicated teams or companies, families smaller and many moved into towns where they live in an apartment building. Most people I know, younger or older, either live in apartment buildings or they live in house in a village near the town, because owning a house in the town is terribly expensive. Either way, they are paying for the place with credit or they are renting. For many people, owning a home means paying rates 20 to 30 years.

So if you are 20 and feel entitled to a 5 bedroom house in one of the best areas the people who educated you did a poor job. B