It seems either by accent or design that no one can live cheaply, sustainably and with a low amount of work straight after leaving school.
Not everyone wants fancy cars and a big house. Some value their free time far higher but we're not able to either live cheaply in society or even go off gird easily.
It seems by design. Even if you work all your life for a nice home your time here on earth is temporary not all that long in the scheme of things so this system seems a joke to me.