Most 30 year mortgages on a home will cost you 2-3x the asking price. This means, that if you were to find someone who would put up with you so long as you paid every month towards your future home, you could buy your home, with capital, in 10-20 years and keep 10-20 years worth of payments for other things. Debt, unless you do as the rich do and use small one month loans to ease your taxes, is self enslavement and loss.
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Investing a large part of your life in something like this is a loss that surpasses any effort to normalize these things.
These people are on housing debt - for rentals, not ownership. In many cases in Finland, mortgages are going to be cheaper per month than renting - but of course there is the maintenance etc that goes with it. However, housing isn't really the issue with the debt, because they are spending on "other things" and it isn't on investments.