That’s just it. A lot of us are deemed as the root of our own problems i.e. we are lazy, we don’t have jobs etc etc.
“We were not like that back in our day”
But, as you say, so many of us do have jobs, or degrees, or experience, the problem is we only take whatever is available, and for whatever money is available. One job careers and companies taking you from bottom to top through training and promotions seem to be few and far between.
And even with income, house prices are so high it’s laughable. Pension pots are empty. It is all of serious concern, and exactly as you wrote, you have to look to the generations before for some of the blame.