Lol there's nowhere to go where you can buy without debt at least in the US. If you want to have children in your 20s and don't have an inheritance or familial help, it's literally mathematically impossible to get even half of the average housing price in cash. The counterargument then would be "don't have kids until you're mid 30s and both husband and wife work full time careers til that point" yeah definitely then you could save enough cash to get the average house without debt, but then you can't have children. Quite the pickle we're in here.