It's 99% luck if you're low income.
No, it's hard work and sacrifice.
I moved out of my parents house at 18. Rented in house shares, tiny flats and shit houses. Studied full time while picking up bar shifts and care home shifts in the evenings and worked in a supermarket at the weekend. Didnt go partying, didnt have a car, havent been on holiday since my 3early teens. No hairdressers, beauticians or nail appointments etc. No expensive phone contracts, or sky or netflix subscriptions etc.
When I met my partner we moved into a run down rented house in a rough area but the rent was cheap. Everything we owned was second hand or hand me downs. We both worked 2 jobs and barely saw each other. We had a cheap and cheerful wedding. We had 2 children under those circumstances, and while friends were spending £100s on baby photoshoots and baby swimming lessons, sensory classes, jo jingles etc we still worked our asses off, with no luxuries or meals out or takeaways.
Last year (aged 28, so not from a generation who had it easy, and with already having 2 children) with zero help from anyone, with no handouts from parents or inheritances we were able to buy our first home (on a lower household income than you). It is in a shit paramilitary area (were in NI), and unbelievably run down house with many problems and a ridiculous amount of work to do. For the first 6 months we didnt even have a working kitchen and were cooking on a camping stove!
I get it's hard. I do. And some may be lucky. But it is ridiculously offensive to say "we don't get it" or that "99% of it is luck." Not even a tiny bit true. We gave up so much to get where we are, and are living in a less than ideal location in a less than ideal house, having had no luxuries or holidays and missing out on the student/early twenties lifestyle of my peers. But now moving into my 30s, my sacrifices and hard work will start paying off and hopefully we can move to a nicer house in a nicer area- and it's unfair for anyone wishing for housing crashes to begrudge us that. Especially because in my social circle at least, they were too good to make the sacrifices we made and didn't want the tiny fixer upper in the bad area, and what to skip straight to the nice 3 bed semi family home and constantly bleat on about how it's unfair how they cant afford it because they're too expensive, completely missing that we can only afford it because of our hard work and sacrifices!
It's not fair that I cant afford to take my kids to disney land, or fancy jewelry, luxury cars, multiple holidays, designer clothes.... but such is life, you've to live within your means or prioritize what it is you want. If you want to live in a nice area in a nice house that you cant afford and aren't prepared to make the long term sacrifices needed for that, well then resign yourself to renting there instead instead of being irrationally bitter at other people who made different choices than you and patronising us about being "lucky" and not getting that its hard.