I disagree with the commenter that your replied to directly, who seems to believe the world is a zero-sum game. However it's also naive to believe that the game is not rigged, and that those who complain simply lack creativity.
In a healthy society, choosing to work to serve others 40 hours a week, should afford you the ability to acquire enough capital to buy a small house and start a family after 10 years. Unfortunately, this is now unachievable in many parts of the world.
I'm not necessarily disagreeing with you, but you seem to leap from "it is hard to buy a house these days" to "this is the fault of people accruing capital".
I'm trying to understand this leap. I think you mean that generational wealth means some people start with all the cards, and their buying power decides what house prices are?