Why do you think people find it difficult to meet mortgage repayments?

Mortgage repayments is usually computed based on a person's income which mostly compensation income. An increase in a person's expenses and without an increase in income will surely make it difficult for a person to meet mortgage repayments. Increase in expenditure will usually come from increasing prices of goods and services.

Thanks for invitation,

I do believe that, the main reason is that they are unable to compromise nor match between their real total income and their total expenses especially for the long term.