Start from scratch? Let me put it this way - I'm currently in the process of buying a house with a mortgage. It's not a big house - in fact it's a two-bed apartment, it's near to transport links since we don't drive (we live in the UK), and it's going to cost me £450,000. For the record, that's somewhere in the region of triple what we make in a year before taxes. You might say 'if it's only that much, why not just save up?'
Well... given that we currently pay nearly half our after-tax income in rent, and our costs per month will actually go down on getting this mortgage, I'd say that it's a good deal for us. I should add, we're around 40, we both have good stable jobs that are pretty senior (I'm literally the number 2 in my company, my partner is a manager of a department of 60 people) and there is literally no way we'd be able to buy a property here without a loan.
People who talk about 'not putting in the work' always strike me as though they don't realise how much work it actually can be because they themselves got advantages others didn't have. E.g. Bezos makes it sound like he built Amazon from scratch but conveniently forgets the $300,000 starting capital he was given by family. Or Trump and the $1 million loan from his father to get started. No-one's going to loan me 6 figures just to get started - I'm literally the highest earning person in my entire family. My mother still doesn't believe the amount of money I earn.