Let's suppose you want to buy a car. You go to the lot and see a vehicle that costs 200K. Can you purchase the vehicle? Technically, sure. You are able to go through the financing process. But are you able to get the vehicle? For most people...no. Why? Probably because they don't have the savings, collateral, or income that will support securing the vehicle.
Now if you had a friend who simply came and gave you the money, now you could.