[neilv]

> Nobody is exploiting your friends - it sounds like she complained to you, you took her words at face value and concluded that those other people are at fault.

You're contradicting me by stating (false) assumptions about my friend, and stating (false) conclusions predicated on those.

Your analysis also neglects American Millennial debt service and healthcare costs.

I used a personal example of my friend because it was close to home for me, and I thought that by mentioning it (as connected to an HNer), along with an age range, it would be somewhat closer to home to some other HN people. When people mention a potentially upsetting personal example, we should try to be delicate in wording things.