It is not God Who is punishing; it is the world. Remember, Jesus warned that the prince of this world is amongst us:
16 "I am sending you out like sheep among wolves. Therefore be as shrewd as snakes and as innocent as doves. (St. Matthew 10)
30 I will not now speak many things with you. For the prince of this world cometh, and in me he hath not any thing.** (St. John 14)
The reason why it seems that it is God Who is punishing is because Satan:
44… was a murderer from the beginning, and he stood not in the truth; because truth is not in him. When he speaketh a lie, he speaketh of his own: for he is a liar, and the father thereof. (St. John 8)
Since you’ve mention the financial difficulties of buying a home, I will share this with you:
Once I was trying to buy a house for mom and me; a very “religious” person told me that he prayed that I would not succeed–his reasoning was that purchasing a house was a very difficult thing to do and that he did not want me to have to suffer through the problems of home-ownership.
In his mind, this person actually thought that he was doing good (as he confess that he prayed that I would not succeed in getting the house); sadly, Satan was up to no good again convincing this fellow that ill/evil was good.
Though I did not succeed in purchasing the house, I was able to understand that it was not God Who hindered my success; conversely, I did not hold any ill towards the fellow who profess to pray for my failure–this is part of life. The seller retracted the sale and hindered my chances of buying the property… as that old song coined “que será, será.”
So let’s not place the blame on God when we ourselves, other humans or Satan are at the root of the cause/effect/problem.