SJS–I think “too easy” is a relative term. It depends on how their parents raised them, the derech they want to take, and if they want to taste the sweetness of histapkus. I know a lot of yungerleit who fall across the spectrum, and there are those that are struggling financially a lot more then others. The ones that I know, who are not looking for (or have access to) an easier route, are investing in their spirituality in a very deep way. The ones that have it easier, it’s really hard for me to jugde because I don’t know if they could experience it differently.
I do know some that have chosen a life with less gashmius, and have turned down full time jobs to struggle to be in kollel a little longer, and they don’t regret it at all. The values they were able to instill in their children is everlasting.
So, the spirituality of the experience I think depends on each families nekudas ha’bechirah. The choice to live with less depends on each individual, but to make that choice I think would add to that persons overall ruchnius. I don’t think it is safe to say that the overall generation of kollel families have it too easy.
Living with less in general though is something I do advocate.