Interesting discussion. I think you are both right. The problem I see is we have raised a generation that does not believe in hard work. When I was a youth I believed the harder I worked the more I earned. Not so with todays' workfarse. It started with participation awards. We all knew that was BS but young parents insisted their child not suffer the anguish of defeat. There would be no winners or losers, just participants. From there they went on to $100k college degrees in nothing useful. They resided in their parents home and quit any job that was not fun and easy.
Basically we have a entitled society. People today feel they are entitled to the things we worked our buts off for, like a nice home, a nice car, a good job, health car, retirement funds, vacations and more. This will surly bankrupt the nation unless the next generation wakes up and gets to work.