I really can't be arsed, I just feel that your view is a bit 'simplistic' that's all. Anyhoo, let's agree to disagree and give the football our full attention.
The whole 'hard work' thing is another 'only the young' generalisation. What about those 'hard working people' who come out of divorce settlements that see the property split up leaving them without enough to realistically get back on the ladder? And that is just one example. It's a problem...
The usual blinkered view that it's just 'the young' who are in this position. I know many people in their 40s and 50s who can't afford to buy. Not everyone is in a position to buy earlier in life or they choose to rent because of personal circumstance or may have lived abroad etc...
It has to stop somewhere, they predict a 30% rise over the next three years, but if you look at flats in Newhaven/Seaford for example some of them have been on the market for months, the prices on some having been dropped more than once and still no one's willing to pay the stupid asking prices...