Yep......like they need to borrow money.
They just aren't in a position to start a family.
I was 21. Mrs D was 19. I earned 15 quid a week. Lived in a 2 up 2 down with no bathroom and a bog at the bottom of the yard. We started a family and cut our cloth blah blah blah. Happy days we still reminisce about.
Different generation........different world now innit.