I'll bet 90% are just trying to get by! This is a different economy than I grew up in. Back then you could have your choice of blue collar jobs(skilled trade), work overtime and really make a go of it. My house in 1981 cost me 1.5 years gross wages(15%mortgage held by previous owner),my wife stayed home with the kids and I had a union and a company pension.
Conditions were much better than today. 
Why so big on punished? Did they commit a crime that deserves punishment? No they have to grow into a new economy and learn the ropes and educate themselves to changing conditions that they did not see when they were growing up.
 My kids are doing great but I feel sorry for those that are looking for a house just a few years later and can't save enough for a down payment as prices are growing faster than our next generation can possibly save.
I don't think we should be so smug and high and mighty. Try walking a mile in somebody's shoes that wants to start a family and needs a home today.