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Probably because you lack the drive to find a way to buy a house. Or you don't have the skills (or the want to get them) to get paid a reasonable amount of money so there are less barriers of entry. And you're a troll.

Where are we made to feel grateful? I don't have this issue at my workplace. If your place of work is giving you these hassles, perhaps you should go elsewhere. Better yet, neither of my parents workplaces have this sort of 'grateful' clause now that I think of it.

60k is the median wage for Australia. I sincerely doubt people are 'made to feel grateful'. Conveniently, that is the wage I currently am on, doing a **** kicker job. Oh dear. While being a suffering Gen Y. In Uni. Jeez life sucks. Enough with the grad engineer line, keep telling yourself...

Monopoly I wouldn't say that a person who is committing over 60% of their income is asking for luxuries by taking out income protection. Should they have an injury or sickness, they would be facing bankruptcy which would SEVERELY impair their financial future. Especially under your hypothetical...

Monopoly's numbers don't include running, maintaining and rego'ing a vehicle, unless she is suggesting public transport 100%, in which case I find $40 to be no where enough for a month. My partner's train tickets are $30 a week alone. Banks tend to not bother lending out around 61% of income...

Hey Beebop, if you want affordability buddy, just move out of Sydney! SA is a stack cheaper, then you can stop whinging on here!