ddo tou think a middle class people should not be able to afford houses and cars?

This is an odd question, to me. Without credit, hardly anyone can afford them. So the issue to me, at least for the middle class, is credit and credit requirements. "Affordability" is a very political word these days.

As a Marine sergeant taught me years ago, there is no free lunch, somebody pays. The same goes into the issue of affordability, somebody pays.