i think that it’s sad that people buy homes they
cannot afford.
It is, and I think it's even sadder when they have to make two incomes to cover expenses they never closely examine or attempt to trim. However, some people don't buy the homes they can't afford. They inherit them, or something unfortunate and unexpected occurs, affecting their ability to pay the expenses. What if your spouse comes down with a serious illness, or has an accident that results in permanent loss of income? What if some company buys the company you work for, and lays you off to install its own people? What if your spouse divorces you, and takes you to the cleaners?
Life is full of surprises.