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We haven't seen this 'them and us' financial divide for a century or more.
In those times generations of families lived together. Until there's another reset to allow the middle classes to thrive again, this is the new normal.
That said, the middle classes have been being silly and trying to keep up with each other and bankrupting themselves. Houses are at very high prices because people will pay higher prices: both parties in a relationship working and paying someone else, school or nanny, or child care to parent their kids. A divorced couple or a high proportion of singles needs double the number of houses as a couple. Leasing brand new cars. Eating out or takeaway every night .. bigger and bigger government. It all costs.
Add in stupid net zero emissions policy for tiny nations like the UK, rather than tackle the real polluting nations and you've got kids living at home looking after elderly parents until they die and they can have a house to themselves.
The number of children per household many nations have is already well below replacement rate. So at least you won't be battling for mum and dad's house with your sibling. Look on the bright side! ๐
You were doing so well until your net zero emissions non sequitur