CAR
Your comments about the buyer bringing the money show complete disregard for the fact that money is only one of the hard assets involved in the transaction. The seller is bringing something equally if not more important, a tangible asset with real value. Your comments make it seem as thought he seller is contribuitng nothing. At one point in time the seller paid cash for the property, for interest payments, for taxes, for maintenance and for improvements. At the sale they are getting that back and hopefully a positive return on their asset.
As for all the people you know who had positive experiences on their own, it sounds like the classic gamblers bravado. Ask anyone about their gambling experience and all you hear about is the wins never the losses. And of course no one ever losses in Vegas;)