No, people live to be happy, joyful, and spend the process of existence happily. Everything else is auxiliary work to make oneself live happily.
Studying is to make life easier in the future, because ease is relative, not long-term and comfortable. When you are young, when someone takes on the hardships of life for you, study hard and wait until you have to take the responsibility. Only when life is stressful can you cope with it easily.
Work is to make yourself live comfortably. If you don’t work, you will have no economic foundation and no funds to exchange for basic living conditions. Society is progressing and it is made possible by everyone’s joint efforts. We have returned to the primitive society where we eat hair and drink blood. Even if we return to primitive society, we will not be able to catch the prey if we don’t run, and we will still starve to death.
It is not necessary to pay a mortgage, but everyone wants to live a better life, and a three-foot tiled house is enough to survive, but few people can live in peace and contentment, and everyone wants better living conditions, so This leads to the issue of housing loans. If there are efforts from the previous generation, or there is no need to buy a house, there can be no housing loan.
Marriage is to have someone to accompany you all the way, so that you will not be lonely and helpless. It is much better for two people to support each other than to survive alone.
Having children is a need for human reproduction and a need inherent in human genes. The whole should continue to develop. Individuals can choose not to have children, as long as it does not affect the progress of mankind.