I feel like we're just going to keep moving goalposts further and further and further. Home ownership is the dream of a lot of people - being able to buy a house outright or just put a deposit down is life changing for some people. I assume for a lot of people on HN it really is that 150k is nice but not life changing - I appreciate that there are a lot of very well paid people here.

As for worry about housing - when renting the landlord can kick you out almost at any time - you live in a constant fear that due to someone's whim you might have to move. If you own a house(even with a mortgage) that is generally lot less likely to happen. But honestly, I don't know why I'm explaining this.