First, they have student loan debt. That was optional. Now it’s not.
Then, they live in an expensive place. They could live in Kansas City or Denver for far less.
And they want the best schools for their children, trying to avoid the war zone public schools. That’s optional.
Their life is a series of choices. They want to make bad decisions and not have to pay for them.
IOW, they are "liberals". This is one of the cores of "liberalism".