Depending on who you're talking to, none of those are realistic prospects anyway. Your borrowing rate will be crap, no matter what, because of your age/credit history/place of residence/skin color (and, if you really need funding, you turn to the BNPL shadow lenders or GFM); you will never earn enough to rent an entire home, or an apartment with a corporate landlord; none of those jobs will ever even look at your resume.

We are reaching a critical mass of people who have no buy-in to these structures because they've been previously cut out.