It is a difficult situation when there are financial (cultural) expectations from parents, as I think it is starting children from a position of debt before they have the understanding or life experience to make the decisions for themselves - a type of indoctrination that will inevitably lead to feelings of falling short and guilt for most.
But, this is much of the world today, much of what we have created and supported.
Your parents likely never complained because they had a better understanding of what life means and wanted the best for their children. The best an't be saddled with debt, can it? The best has to look for freedom of activity - even if it will never be completely untethered.
!ENGAGE 20