OK, risk is part of life. We don't know what's going to happen-- maybe Martians will invade and maybe owning gold will be profitable. Reasonable people see what has been and accept the fact that Martians and gold are not important.
We can observe the fact that we are so much better off than our grandparents were even as they enjoyed so many advantages that their grandparents didn't have. By studying how that happened and by looking at how things are now, it makes sense that our grandchildren will have it better than us and that doomers are idiots.
I actually agree with you.
My larger point (which in retrospect was not effectively communicated in any way!) is that we can't predict the future, so we need to be prepared for the worst and ready to take advantage of the best.
I do not believe our children will be worse off financially, although they will have challenges without a doubt. But for me, the jury is still out regarding how well off things will be in the "values" department.
Finally, I teach college and I can tell you that I am generally pretty impressed with the current crop of students. Personal responsibility seems to be a pretty big deal to them. That is a VERY good sign.