I really vibe with the idea of Financial Inertia. Not to mention that the Apartments for New Professionals would be a great idea but no one would eat the cost on that thing.
But I agree with you as someone riding the bumps. The System works well to put people into DEBT but not getting them out. But every little thing can set you back when you are trying to crawl out, and a lot of people don’t understand how everything is connected.
You know, I have a quick add-on for the New Apartments as well: there should be a Health Component included to keep to the place. Like a yearly fitness BMI/test to make sure they qualify or something.
By focusing on their health and their wealth early, people will be much better off 5, 10, 15 years down the line due to the forced habits of saving and being mindful of their body