Unregistered 737,
You're not going to find any willing takers for your tales, a veritable parable of debt & misery, at least not amongst any right minded individual.
You said it all. BEFORE the recession....
There were lots of people doing lots of rash things, such as lending impressionable young fools large sums of money. Much of this rash lending has, of course, been well commented upon in the press in the intervening times.
There is no virtue whatsoever in saddling yourself with a mortgage sized debt, in order to jump the queue into the RHS.
One day you will realise your gross folly yourself. Then you'll pipe down a touch.
Until then, there will be plenty of people to remind you of it free of charge on here.