Yeah, this pissed me off.
The better half and me, we're Gen Xers who paid off our student loans and had some really hard times doing that. We're now doing okay, but because we went through that, we have empathy for younger people who are getting it really hard, and we wouldn't wish the stalled development of our own lives because of pay restrictions and student loan payments to be passed down to the next generation. We're in favour of the living wage, even if it would mean people are closer to our pay grades, and we're in favour of abolishing student loans, because we believe tertiary education should be free for suitable participants.
That's the point. It's a lack of empathy that produces the line, "we had to do it, so why shouldn't you". To any reasonable human being who's done it, it should be, "we had to do it, we had no backup, and it was horrible and sometimes scary to be teetering on the precipice of bankruptcy and I wouldn't wish that shit on anyone. I hope the future generations don't have to go through that bullshit."
I'm not willing to assign such a devastating lack of empathy to a large portion of humanity, so I just like to take refuge in the safe thought that people who claim to have been through the same thing actually haven't, and they're incorrectly recalling how bad things were for them - when they had to live with their mum and dad for a couple of months. Anyone who's actually had to worry about paying power bills or eaten Tesco Value noodles with tomatoes from the end of the day at the outdoor market for 14 meals a week wouldn't possibly wish it on anyone else or tell someone else to toughen up when they have to do it. That's why your mum and dad didn't let you starve.