I'm glad the sentence structure is pleasing to your logical brain. As a counterpoint, my family has generational trauma from decades of economic stress and that cliche feels minimizing to me.
The person I'm engaged with, and their family, had/has it even worse, and it's not hard to see the ways it affected and still affects them.
My point being, I'm no stranger to a family history of financial hardship. I'm sorry for whatever you and your family have had to endure. But, politely, screw off with the implication that the only way I feel the way that I do/say the things that I say are fruit of some privileged upbringing that couldn't possibly understand money problems.