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FFS, in one ear out the other !
Ever had 15+% interest rates on cards for starters ? nope.
Our mortgage interest rates also were higher through those early times.
The point is not comparing the past to the present by facts and figures alone otherwise yes shoot yourself BUT to just get ON with it - someone else is right now at your age thats the point........
There will always be those who get on with it no matter the hurdles ahead and those who are beaten even before making effort to the start line.
I don't think most good natured parents is happy of the current climate ahead but I sure wouldn't be saying to mine its hopeless case !