My parents had us very young. We lived in a modest house. We built forts, we hiked, we went camping and they wanted us to be independent. It's how children grew up in the 1940s and 50s: outside all the time, playing in the dirt, riding your bike around.
All of the problems we're facing with debt are manmade problems. We created them. It's called fantasy economics. Fantasy economics only works in a fantasy world. It doesn't work in reality.