I think kids today are missing out on the crap that actually builds resilience, whether you like it or not.
Resilience doesnt come from being supported, although support is so essential to have.
Because one day, your parents wont be around to look after you emotionally. So resilience is important.
The way you develop resilience is from finding yourself in less than ideal circumstances, pulling through it, and realising you have the inner resources and nouce to get through them.
So not being able to pay the rent, and having to sell some stuff, or find emergency shift work, or negotiate with your landlord, or take in the responsibility of borrowing money from a friend. Later in life, if you find yourself in more serious financial difficulty, you will know you can get through it - because you have done before.
Alongside resilience, it's also important to learn about doing without. Theres definitely a difference between me and my sister, who left home to go to university, and my brother, who stayed home until 25.
Its dumb small things, like hes never had to use shitty shampoo, because mum bought the shampoo, and it was always naice. Hes never had to come home drunk and realise theres fuck all to eat in the house. Hes never had to walk home for an hour at night because his bank card got rejected - he can just call a taxi and use some of mums money to pay at the other end.
And why should he? Why should he needlessly experience those things? Well, because it's about again developing a type of resilience, and also developing a sense of empathy. I think this is especially important for middle class kids. It would be insulting to suggest the things I listed above are in any way equivalent to the daily struggles of being homeless, or of being severely down on your luck. They're transitory. But put back to back over the early adult years, they do create a very real practical experience of what it means to not have the things you want, and to be uncomfortable.
My brother is a lovely guy, but he also has the faintest sense of entitlement to him.
I think if you go from being 25 and living at home to being catapulted into your own home with a mortgage and some bare comforts, you have missed out on learning physical and mental coping techniques in such small ways that they sound ridiculous written down.
What those people do when they reach their 40s and life suddenly falls apart, they cant pay their mortgage and their parents die... I dont know.