The real story isn't that young people lack discipline—it's that they've stopped believing in the housing market altogether. When you grow up watching property prices climb faster than wages, reckless spending becomes rational. Why save for a down payment that keeps moving out of reach? The financial choices we make aren't just about money management; they're shaped by whether we think our efforts will actually pay off. For a generation facing systemic obstacles, financial caution would be the real gamble.