Anon, you sound like a boomer or a rich kid. It's easy to judge when you grew up in an era where one could work part time in the summer to pay for college and houses cost about a year's salary. Easy to save up enough then to buy a house or a car.
Alternately, it's also easy to make these garbage statements when one has never had want or need of anything or has aways had the ability to buy what they need in cash.
Many choices are forced upon people and attempting to defend the wolves simply because the sheep weren't ever taught to avoid them is disingenuous and outright hateful.