>The universe

That's a funny way to spell government appointed central bankers who fix the price of money.

You cannot blame CBs. I despise the current monetary policy as much as the next person but this is a function of society. We have stopped believing in “no pain no gain”. We think that everyone should be gifted a painless utopian existence in which nothing bad ever happens.

Darwinian forces always win.

I'm not sure you fully understand the experience of the typical young adult in this country right now. I'd say the phrase 'all pain no gain' is closer to reality. Compared with even the last generation (who had it pretty bad compared to the generation before them) the opportunity to have a reasonable standard of living is greatly reduced.

millennial home ownership rates is only slightly below boomers when matched for age

Not according to this article: https://www.washingtonpost.com/business/2020/01/20/millennia...

"When baby boomers hit a median age of 35 in 1990, they owned nearly one-third of American real estate by value. In 2019, the millennial generation, with a median age of 31, owned just 4 percent... that gap will probably narrow by the time they see 35. But they’re not likely to reach 30 percent of the housing market — or even the 20 percent attained by the smaller Generation X at the same point in their lives."

Where do you get that, because this article says otherwise:

> Millennials are less likely to be homeowners than baby boomers and Gen Xers. The homeownership rate among millennials ages 25 to 34 is 8 percentage points lower than baby boomers and 8.4 percentage points lower than Gen Xers in the same age group.

https://www.urban.org/sites/default/files/publication/98729/...