Are the unfortunate post-90s the victims of this era?

Post-90s may not be the poorest generation, but they are likely the most confused.
If born between 90-95, with some savings at home, decent education, stable job, and good character,
there's a high chance they completed major life events between 2018-2022: getting married, buying a house, having children.
The problem is, they just happened to catch the last peak of the real estate market.
Some lost their down payment, some took on a 30-year mortgage, and some even bought unfinished buildings.
Money was lost, but there's still a chance to earn again.
What’s truly painful is that their worldview has shattered.
Over the past few decades, we believed in a set of rules: study hard, work diligently, grit through hardships, and life would get better and better.
Even the suffering generations of the 60s, 70s, and 80s believed that effort could bring a better tomorrow.
And for the first time, the post-90s realized that effort might not lead to upward mobility; it might just be a precise takeover.
So the post-00s, watching the stories of the post-90s, preemptively rewrote their life scripts.
They are not born to lie flat.
They just, after seeing the tombstones of their predecessors, are unwilling to run the same race again.
What the post-90s have lost may not be the price of a house.
But the unwavering belief in their life algorithm.