The way I see it is, if I were to get a mortgage on a house now worth a little over £100k whilst in my 20s, and paid it off over 30 years, which would probably be on the limit of about what I could afford - what exactly would be the point of doing all that, if, by the time I've paid it off I'll be nearly a pensioner and it could only be a couple of years before the state takes it off me anyway to pay for my care, despite paying taxes all my life. If I can't work towards something to leave behind for my children and family members when I'm gone, what exactly is the point?
Would it not be better to just rent instead, and put money into a savings account for them?