Why need to help first timers?

Why the need to help first timers buy a HDB flat? Why the need to help newly weds to buy their first flat? What is the problem? Why is housing such a complex problem?

When the big fire flattened Bukit Ho Swee, it was a serious problem. Thousands of families were homeless. That was compounded by the thousands living in cubicles, squatters, attap and zinc huts across the whole island. It was a