I feel like you're making my point for me. Whatever the reason, it seems pretty clear that we as a society have made it more difficult for these kids to make go

I feel like you're making my point for me. Whatever the reason, it seems pretty clear that we as a society have made it more difficult for these kids to make good decisions, maybe just by virtue of the lack of education on how to do so. Chalking their collective indebtedness up to a lack of personal responsibility and a moral failing on their part is just lazy.