I’m puzzled why you think it’s unfair that a 20 yr old doesn’t have the same income and assets as a 60+ person who has worked, saved, contributed to pensions etc for 45-50 years. And don’t forget, pensioners who rely on savings interest to supplement a mean state pension have seen interest plummet, in the main so that mortgages are at a record low mainly for the younger generation. Not 17% when I was buying a house.