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Apologies MTR ... wasn't referring to anyone in particular "forcing" the idea. Broad example only. I guess for some people it is that little bit more out of their reach now ... great for some not so great for others. The thought of possibly saving for another year or two to get that deposit...

Fear of debt and indecision for others ... should I / shouldn't I - what if this, what if that. It's a bit like going on a diet - unless you really want to do it for yourself there is no point in someone trying to force the idea of it.