Well Put, Rocco. I have so many thoughts I have yet to fully/properly articulate around Rich "guru" types giving unhelpful and condescending advice to real people that blame them for their financial problems.
Most of them have something in common; They were lucky enough to be born during a time where housing and university education was affordable to everyone.
They look down on young people for "spending" habits and gloss over the fact that wages have not kept up with inflation, student debt is out of control and houses are unaffordable... But yeah, let's shame young people for going to the coffee shop.
Okay, I am sufficiently fired up enough to start writing a new article on this topic!