I personally believe we have two big problems: wages are too low, and people subconsciously know they're being cheated. When you see someone take on debt to get a bachelor's and they only get a $14/hour a job, while you can half-ass your way to a $9/hr job with barely a high school degree... well, you're gonna have a motivational problem. Add in the obvious wealth inequality and cold-hearted wage busting we see corporations doing, and people can see the odds are rigged.
Are there opportunities out there that aren't being fully utilized? Sure. If you get the right degree at the right time and put yourself in the right situations, you can still do well. But I'd argue there aren't enough good opportunities out there overall. That's where the whole "millenials" are lazy/lost meme comes in.
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