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I don't know about others, but speaking for myself and many people I know personally, we are all in the exact situation Ankur Bhai mentioned. We didn’t inherit any financial security from our parents—no gold, house, or land—and our parents don't even have a pension scheme.
In fact, back in my grandfathers' time, both sides of the family had houses, land, gold, pensions, and health insurance. Their children weren't heavily exposed to financial risk. But today, that pattern has changed drastically. Recently took health insurance for my parents and sister after watching ankur wariko videos and trying to maintian emergency funds once its saved.
