Financing comparison: past vs. today

Yes and no, I will probably inherit from my mother and my father, unless it goes towards care (which is quite likely with my mother).
However, both would be below my proposed exemption amount.

I find the unlimited distribution of wealth within the family unfair to others who are disadvantaged by birth and am convinced that it promotes and entrenches social inequality.
Why are you categorically against an inheritance tax? By the way, banning it is a funny suggestion, since only the state can tax and prohibit something, so if it taxes something, no one else can. Or do you want to write it into the Basic Law?

You just have to be lucky about which family you are born into. Unfortunately, we never had much in the family and still don’t have much.

Not only from a financial perspective, but also when it comes to education. Just look at the statistics about which families all the students come from. Education greatly helps in getting a well-paid job.

That is certainly true, however, you can't have saved 300K by your mid-30s even with a well-paid job (especially not including children)

Right, however (and in my opinion that is much more important), you can sustainably service the loan until retirement with a decent salary.

Of course, the amounts that you currently have to borrow are really quite hefty... That is, of course, the current difficulty.

That is certainly true, however, even with a well-paid job, you can't have saved 300K by your mid-30s (especially not including children)