[coldtea]

>The difference in cognitive load and stress between the two is staggering. Having a fallback is a very privileged position to be in.

I dunno, in many cases I know (or used to know, not so young myself anymore) the fallback was either "back with the parents for a while to sort things out", "find some place to rent with/without a roommate(s) and get a job" (which could be waiting tables too). Nobody really has any "fallback" in the sense of money in the bank or family fortune.

So not much privilege required. As said, when you're young and without spouse/kids.