So I think you're right, but my diagnosis of the problem is a little different.

As in: _why_ does everyone want a middle class life? _why_ is only a middle class life that's seen as being dignified?

I've friends across a wide range of ages, from late 50s to mid 20s, and it's notable that the older ones have stories of some incredibly grimy circumstances from their 20s which today's 20somethings would be unwilling to endure, they'd rather stay at home with their parents. Living in squats, bedsits or mobile homes, sofa surfing for extended periods, etc.

Lots of people in previous times started families when they were flat broke. Some out of choice, some it just happened. Granted that's not ideal, but they made it work.