Great response, one that would make a compelling Medium article on its own. I'm particularly intrigued by your insights on Premature Adulthood (catchy label, too). I think you've got something there worth laying out in detail.
I'm actually not sure I hear disagreement with my central thesis, though. My little theory is both a simplification and a generalization, but that doesn't mean it holds no weight. I've also approached this by mostly poking the older among us (of which I am one - technically, I am a Boomer), which, perhaps sadly, gets me more reads.
What you have provided here, I feel, is something I didn't; namely, a solution. And a wonderfully nuanced one at that.
It's quite clear to me that a large (but of course not complete) segment of the population has amassed great wealth and power at the same time as they sever most of the cords to society itself. It's evident in our politics, our priorities, our markets - both the financial sector and housing - and our environment. It's not the young resisting confronting climate change or inequality; it's the elderly and wealthy.
Is that everyone? Or a single generation? Of course not. But my gut anecdotal sense is that the grandparents rising grandchildren or octogenarians tended by community-funded institutions are not the ones influencing policy or holding vast capital.