Here's the unpleasant truth and I feel the need to break it the hard way to all these newer generations.
Our modern 'economy' is a giant ponzi scheme that is sucking the life blood from the future of America. This has been going on for the last five or so decades, but since the year 2000 it has gotten exponentially worse and more corrupt. The game is completely rigged and let me explain how it is and what that looks like.
If you bought a house in the year 1988 you likely only had a 65K mortgage which you could easily afford. Today that same 65K house is now worth 400K average. If you were to buy and hold onto US T-bonds or IBM stocks in the year 1990 you could sell those off today with a massive net profit, nearly quadrupling your wealth. If you created a 401K account and retired in 2002 you nearly doubled your wealth. If your father started stacking silver and gold coins since 1979 and died, handing it over to you in his will, those silver and gold coins could help you pay off any debts you have and possibly help pay the bills for another year. The point is everything is a bubble in this fake and gay economy. Congress spends Trillions $$$ a year to keep the bubble from bursting. Not on actual GDP or production.... no. Keeping a ponzi scheme going for those who have accumulated massive amounts of commodities, real estate and wealth the last 50+ years. The whole ponzi scheme is to make those that accumulated wealth over the decades richer and richer, while the next generations have less and have to work harder for less. It is a have or have not society today. Those that have everything WANT inflation (government and the oligarchs) because all the assets and property they own go up in value because of the fiat currency. Everyone else pays higher and higher prices in a fake and gay economy with little to no actual production, completely reliant on cheap goods exported from China and Vietnam.
If you want to know who to blame I'll name the culprits. The Federal Reserve, Congress, the government (for allowing and partaking in the ponzi scheme) and the media and institutions enriching themselves while deceiving and lying to you all.