Syag, just as I am calling for understanding and commend you for the same, you are calling me out for attitude … We see here that several people with “working minhagim” do not understand the need to support kids after wedding, so lack of (immediate) work prospects clearly affects the situation. for example, working chosson vekallah should be able to get a mortgage to finance a house based on their salaries, maybe with some down-payment support from parents.
There is nothing inherently wrong with this approach. While normative American saves for his retirement and expects kids to pay for their mortgage; in this approach parents pay for apartments, while children will then start working later and then pay for their children and maybe even respect & support parents in their old age al pi halakha, so parents need less of savings. So, if this works for most people, then it’s fine. If, as alleged here, it does not work for too many people and they are collecting, then clearly something is not right.