Reform will be deemed impossible until revolution appears inescapable.

> These are also the people who came of age watching their parents lose homes in 2008, graduated into a pandemic economy,

I'm afraid the unthinkable worst possible case is the only solution:

A 1929, 2000 and 2008 all rolled up into one catastrophic crash.

If you are not prepared and assuming all these assets will continue going up, lets just say that lots of people that are very complacent with that are going to lose.