No student loans is a good thing. Our society benefits from an educated workforce, education should be provided to those who maintain standards (e.g. grades).
Mortgages are mostly needed because we have inflated housing prices due to speculation.
I'm glad we live in a country where education is attainable by anyone, and tuition and student loans are reasonable. Unlike the US, where the student debt can be crippling and is a money-making industry like any other.
I agree with you about inflated housing prices. Speculation is a big factor, among others. We need more regulation in real estate, big-time. That becomes hard when banks, big developers etc are so politically powerful.