Wow. That's short sighted and actually offensive. Having a kid and having a family shouldn't be a luxury item. It's pretty easy to make a statement like that when it's a dilemma you did not have.
Studies show that:
Since the 70's wages increased about 57%. Meanwhile the average CPI more than quadrupled.
"Gen Z's money has 86% less buying power than baby boomers' did at the same age."
"Gen Zers and millennials are paying 57% more per gallon of gas."
"Gen Zers are paying nearly 100% more for homes than baby boomers did."
"The cost of American housing rose rapidly... Coupled with rising inflation... raised interest rates several times...leaving home buying costs out of reach for many Americans."
Add things like how much more a 20% downpayment on a home cost now and many other factors.
So, how do we take responsibility for this stuff? Who do we carelessly point our fingers at, as you say? You can ignore it all you want, but it's not always about personal responsibility. It's tough out there and only getting tougher. I think you should give these younger generations a little more credit for the struggles they face that your generation did not.
This is the article I cherry picked from, but I've read plenty more that say the same thing:
Comparing the Costs of Generations (2023) | ConsumerAffairs®.