Sorry if my point was lost in the rant. IME the younger generations are facing an increasingly large burden of must-do's with less slack for them to make any other choices. Growing housing, healthcare, and societal expectations combined with fewer employment opportunities are leaving little room for them to chart their own course.

Some might say it's offset by all the luxuries so widely available. But I personally find it hard to enjoy minor luxuries when so much of life is swallowed by obligations. And I'm one of the luckiest members of my cohort. Most of my high school friends still live with parents or several roommates, have lower paying careers, and/or have to care for more family with serious medical issues. (Though on the latter I seem to be catching up quickly)

It sounds as if you are filing a complaint, but I'm afraid chargebacks are out of question. You have been scammed and given a non-perfect generation to live in.