Re: And pre-Millienials were tech savants?
I think the main issue here is that this generation always had this technology around them. They're comfortable with it and generally trust it. It's not that they're not tech-savvy they're just tech-complacent.
If the phone/tablet etc... has a password/lock that encrypts the data then that's still a lot better than the post-it-note-in-the-wallet scenario. It's still a bad thing to do but it's less worse than the low tech version.
Also:
"ten grand of student debt"
First year students only then?