That sounds harsh. I think it's more that there are many young, single people who have the freedom to accept financial hardship in the short term, in order to secure wealth.
Once you have kids, you can't as easily say, "well, we'll just sleep in the car for a year", or "I'll just stay at work ten hours a day and take advantage of their free meals" (or something). For most parents, our risk-taking preferences change dramatically once we have something to lose, and the pressure from our spouses makes it a little bit harder to take on risks of catastrophic failure.
Once you have kids, you can't as easily say, "well, we'll just sleep in the car for a year", or "I'll just stay at work ten hours a day and take advantage of their free meals" (or something). For most parents, our risk-taking preferences change dramatically once we have something to lose, and the pressure from our spouses makes it a little bit harder to take on risks of catastrophic failure.