I'm not sure if Marx wrote about this, but this is another huge contradiction in capitalism. The idea of how important these checkboxes are, but they are also gatekept by speculators so they become little more than a sign of wealth. It costs 10s of thousands of dollars just to actually give birth to a kid. Homes have become an investment vehicle so there is an incentive in keeping housing as expensive as possible: society picked housing to be a way to make money rather than a shelter, so it's that much harder to check off the checkboxes. Getting a job? Well employers are now very picky because they would rather just pile more work onto their pre-existing employees than hire anyone new. In their eyes, that's leaving money on the table. They all think their google so they have like six rounds of interviews to let you know that they only want unicorn candidates. What's that? They told you no? Well then you're clearly intentionally leeching off the system by being unable to impress these petty tyrants.