In most countries you have to work 5-15 years, full time, to save up enough capital to get a house loan from any bank. You can rent, of course, but that's a waste of money, and you most often have to keep moving. Usually when contracts expire, the price goes up.
Just out of school? Good luck getting any job! Student loan? Even better luck having to pay down that loan, and your bank loan, and other costs connected with your apartment.
The system keeps a tight leash on its citizens. People who do make it on their own cling to their paychecks to make it one month at a time. What a fucked up world to live in.
Also, to counter all the stereotype comments mentioning porn, games, everything is paid for, mom does the cooking; you can still live at home and pay rent for your 10m^2 room, do your own laundry, buy or make your own food. Who would have thought?