> but also vast current, unmet needs.
Citation needed. Yes, people have needs. But vast unmet needs?
When the average person is starting out, unless their parents are rich and help them, they start from scratch from a material point of view.
That sounds like they're missing a lot :-)
If you think I am missing a lot, why am I happy?
When you’re first starting out, you have a vast well of future production capacity but also vast current, unmet needs.
Expecting people to “just save up” for things that they need is not optimal, especially if that thing they need to save up for is part of what they need to get/keep their first job.