I would just change the "anybody" with "some people".
It's hard when there's a threat of not getting employed and your 100k loan comes due and you're making 1000 euro per month because you didn't get a job in aviation. God forbid if there's a lengthy downturn for a few years then you're house buying money in the red with no house and no significant income.
I'm saying this as someone who self financed as well.