lol....No offense but your FOS.
Based on what, exactly? I have different experience than you? My aunt left me 1/10th of her wealth when she died (she only had 2 nephews, 0 nieces). I also have a LOT more experience with finances than the average person (econ BS, MBA from T10 program, corp america finance exec 5 years) and have saved up half a mil at the ripe old age of 35.
There are lots of people living a FIRE lifestyle and can save that much (many are retiring at 30-35 - https://www.mrmoneymustache.com/ is just one example), lots of people inherit money, lots of people get their families to gift them money for a downpayment, lots of people have saved money, and lots of people made money on prior real estate deals. Just because it didn't happen for you, doesn't mean it didn't for a lot of other people in this country. Homes are selling like crazy in California and first and second time home buyers are a large chunk of those buyers. The default rate is very low on mortgages today so obviously people are figuring it out. Sorry you can't.