The problem is that everything that people really want has been larded up with extraneous expenses, so they can’t afford it anymore. Willie Sutton used to say he robbed banks because that is where the money was. Nowadays, people run universities or charge property tax.
The result is that young people cannot afford to graduate without crushing death, get married, start a family or buy a house. Their decisions to forgo these things are perfectly rational, because the costs of doing all of these things is just so damn high.
crushing death = crushing debt
Damn You Autocorrect!