This is thread is wild.
Medical is a thing, having kids is another (all these 1 kid families to make the budget work), millennials lived through the housing bust and a not small % got swallowed up in that, and rising costs of university, coupled with the reality that millennials didn't start at 100k and likely just getting there, and folks are surprised folks could be in huge debt and living with minimal savings...
100k as a single person or maaaaybe with one kid with no day care costs, sure. I'd guess 60% have some combination of medical, kids, college debt, busted mortgages, and what not.
Im sure folks arent always as spend thrift as they could but went through a very similar situation when I was in my 30s (busted mortgage, 3 kids, lay offs). And I lived in WV (eastern panhandle, NOVA). I think it's reasonable to be sensitive about this very just blaming a whole generation.