You also forgot to mention that all the millennials these days want to hop around place to place without actually settling down and having kids. So they often don't want to be "tied down" to mom & dad's property. The independent mindset is actually making it harder to survive because instead of multiple generations living on one property, every young person wants to have their own apartment, etc.
Families need to start pooling together their resources more instead of everyone branching out completely on their own.
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