politics
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100%, I don't think there's a single thing that I would do differently than them on an individual level. Housing was cheap (compared to today). School was cheap (compared to today). Healthcare costs were manageable (again, relative). Being frugal and attempting to have enough retirement to make it through old age is not a vice, that is just sound money management.
The actual sin is making it harder for everyone else coming behind them.
Basically they enshittified government and culture before it was cool, creating stratification layers to benefit themselves when the available alternatives would have been better for society and subsequent generations.