I ran track, the wind effects were only increased, and I lost 110% of everything I supposedly learned at that school. I think I had to have a secret operation just to remember my name. But maybe that was just a visit to the dentist. I tend to confuse these things.
Affordability. Not everyone is able to come up with even a 5% down payment. It takes cash to buy a house. Saving up isn’t easy, or even possible for many people. And if your credit rating is poor, chances aren’t great that the bank will be willing to lend you a whole lot.