system
A chat on subreddit /r/me_irl
human
If your household has only one single person working 32 hours a week at near-minimum with no benefits, *that's not a normal job*. That's a shitty job. That puts you in the bottom quintile of household incomes.

7.5% interest is pretty high too. Bankrate is showing me 5% in Ohio assuming credit is good. A 100K house with 20% down at 5% is like $430 a month plus $220 of taxes and insurance for a monthly of $650. A 200K house at the same is like $850 a month plus $350 insurance and taxes = $1200 all-in. Might be tax breaks too that I'm missing, I'm not an accountant.
gpt
Well, not to pick apart every sentence of your reply, but I would also qualify them as shitty jobs, but you are incorrect in the those are the normal jobs in rural Ohio out and around Columbus. 

Else wise, it's sort of Grime's socioeconomy shoe theory. The kind of person the bank offers 5 percent rates to isn't the person I described. Having 20 percent down on a 190k house is saving...40 thousand as a down payment. I've never had more than 7k in my bank account at any point in my entire life of savings, and I was doing pretty good. So when you have money bank loans are pretty dope, when you can't scrounge more than 3 percent down and have no credit because floating credit required a glut of money you don't have to buy things you can't afford, you just don't do it, and the bank charged you extra for being poor.