Right, this seems to be where we differ - I can't understand why, after doing the maths, people don't wait at least a couple of years. Any scrap of savings and slightly increased earning power is better than none at all.
Waiting and trying to save is prudent and might reduce the risk of falling on hard times later. It might also serve to slightly help alleviate the strain on the public purse, and the demands placed on the state school system - even if only temporarily. I'm not setting an arbitrary figure, or demanding a set period of time: I'm just advocating a basic semblance of planning and budgeting.
The counter-argument appears to consist of "I'm impatient. Someone else can pick up the bill." I can see why over 11 million people don't really care for that counter-argument.