You don’t need to be rich to own. Some people are lucky to buy a home where/when it’s cheap. Imagine the value (and taxes) outpacing your income. Like an elderly person with fixed income.
Sometimes it works out and it's fine. It's not all the scam. But there are no scams out there that I would not have any confidence in working out. And as a government (which as a voter I'm part of), I certainly would refuse because there are too many ways that I can lose.