If everyone could accessibly own a home free and clear, there'd be less incentive to work; it's a household's largest expense. That and employed-provided health care coverage.
What about just affording a mortgage or rent without college education, dual incomes, moving away, having few or no children, plus receiving an inheritance?
Social housing is a thing in much of the world. Housing is cheap in many countries around the world as well. Healthcare is free in most of the world and good standard in majority of the developed world.