Saving a down payment in a single month would mean you have a pretty sizable income to start. I get what you’re saying, but if it’s a $10 avocado toast every day, then there are enough days in 3 years to save a $10k down payment for a starter home.

One of the unintuitive consequences of low interest rates/ZIRP is that the savings rate is abysmal. When I was a kid I remember my first savings account earned maybe 2 or 3% interest annually. Now you’re lucky to get half a percent. People are disincentivized from saving money and instead end up putting savings into investments, which are inherently risky.