I truely truely agree with your views. I have a friend who is single, earning well below 35 can't get a HDB. She has been renting places ever since university days, moving here there and everywhere but stil can't get a HDB because under 35. She can't stay with her family due to abuse etc but even that HDB no heart, stil don't want to approve.
My heartaches for her everytime she has to move. Sigh.