In modern society you absolutely should not have people in crippling medical debt unable to dig themselves out, no matter your income and background.

That said, a market shift, well of course but that was happening pre-covid-19 and it just appears that most don't bother to have read about the shift to a predominantly renter based society underway, on pace to flip the numbers to 60/40 renters over homeowners vs the reversed historic average (yeah, thought I was just a pretty face huh).

Perhaps he will eventually become a useful member of society and need to improve his credit score.Do NOT do cash for keys.

Here’s a link if you want to check it out.https://www.biggerpockets.com/blogs/9232/55313-intro-to-section-8---your-perceptions-vs-my-realities

This is all just perception by the way. 

I keep getting my initial perception reinforced that everyone does things their own way for their own reasons.  

@Dan Mackin I am taking a course through Tai Lopez's "Knowledge Society", which is being taught by Cole Hatter.  

It is inequitable that society accepts the U.S. government's use of incentives to recruit and advertise, YET not an individual's  right to evaluate those incentive and use them to guide their decision.

If they are completely undisciplined financially then yes a 401K it helps them save, If they are more sophisticated and understand real estate investing for example and how it grows your wealth then they can reposition themselves into another investment beyond a 401K like rental properties.Here's the formula: knowing thyself X your own financial education X your own financial plan = YOUR WEALTHMy point here is that anyone can do well and be wealthy(working toward and achieving their individual financial goals, not society's) based on their ability to figure out how they can use their natural strengths and mitigate their weaknesses, coupled with the vehicle and plan that suits them best.

Some of my reasons for making this statement include:Changing perception of Las Vegas - from a tourist destination (“Sin City”) to a good place to live.Historical trends - The historical relationship between home prices and rental prices.The 2018 tax act.Changing Perception Of Las VegasI am seeing a lot of positive headlines like the following:Las Vegas Now the Nation’s Hottest Housing MarketLas Vegas may be the best city to retire in the USLas Vegas is booming again, and bracing itself for next slump - Diversification and the new Las Vegas School of Medicine.Headlines like these “legitimize” Las Vegas as a good place to live, not just a holiday destination.