Understood as 18 year olds who were told everything would be okay so long as they just did what they were told.

I was lucky enough to grow up and go to university in another country. The magnitude of the financial decisions I was making at the time were < 1k and I remembered how much money that felt like.

IMHO blaming people for 100k bad financial decisions made under duress just as they entered adulthood is victim blaming.