Why blame the government totally for housing affordability?

is it not pure greed from young australians that stop them from affording their first home? I am a loans officer for a major bank and everyday we are faced with the same scenario - young couple wanting new built home in good area - they won't consider anything smaller, cheaper or older - and when we look at the financial status - two new cars, numerous cd stacks, tv,s, computers, toys (like boats, motorbikes) - a lot of this is on credit because they don't want to wait and save - and then they wonder why they can't afford the mortgage repayments ( most boast of the most wonderful overseas honeymoon) - it all seems like a cushion - what has happened to the good old battler spirit which has been the australian foundation - I am not old - in my 40's - so these comments are not out of touch - its time we realised how greedy we have become and put some of the blame back on our own shoulders - now thats the australian spirit - isn't it?