It's a systemic problem they helped setup. The amount of public support they had while going through education and young adult life was wild. Unions were popular, housing was relatively cheap and affordable, same with education. Things didn't start blowing up til the 80s, 90s, 00s, when they were firmly of voting age and able to exert their numbers politically.

When did corporate and private tax policy change drasrically? The 80s. When did college costs start to increase? 1980 referencing a graph here.. When did housing start to increase (the first time)? In the 2000s, cause banks and the fed (led by boomers; all 5 of the largest financial institution crashes were headed by boomers; Lehman, Merrill, Citi, AIG, and Goldman Sachs), the fed was led By Greenspan prior to '06, but Bernanke afterwards (and he was the one who bailed those fuckers out, same with the GM and Chrysler with Bush, Boomer). Additionally, boomers are the generation most opposed to any climate change policy (along with Gen X, but that's a different conversation), referencing this article.

I do think it's a systemic issue. I just think boomers have played a large role in it's construction. Their parents before them had strong public works projects for infrastructure strong social safety nets, strong employee protections through growing unionization, lengthy fights for workers rights and de-segregation in many places. Boomers have wanted less of that and have actively worked to get rid of them.

The system wasn't built by no one, and changed pretty dramatically during a specific time frame.