I think you need to adjust your expectations. I graduated in 2008, right in the midst of the recession. I started my first post-college job at 35k per year. There was no way I could support a horse and myself on that, so I found alternative ways to get horse time without the financial responsibilities of horse ownership. I volunteered with a therapeutic riding program and proved myself enough that they allowed me to exercise the program horses and train the new horses for free. When I moved to an area without a similar program, I started taking lessons at a local barn. I made friends with people and was able to do low cost half leases and ride shares. Even now, when I could afford a horse of my own, I lease a fantastic horse whose owner went off to college and just needs help with his expenses. Win win for both of us. I haven’t always ridden the “best” horses, or the fanciest horses, and there are certainly downsides to not having a horse of my own (uncertainty, not sole control) but I think that the upsides of lower costs, less responsibility if I would have a change in finances, etc are worth it. I have been able to ride continuously and still save money my entire career so far.
If if my current lease ends for any reason, I may look into buying at this point in my life (10+ years into my career) but honestly if I am able to find another lease situation I may opt for that instead. I really like the freedom and flexibility it allows.