Millennials are people who are born between 1981 and 1996, are you sure, you are talking about the same generation? I mean you might be talking about Z generation, which is 1997 to 2012, making the oldest one 27 years old, which some of them must be making some money but the youngest one 12 years old, so surely they work with parents money. But when we are talking about Millennials, that means oldest one is 43 years old, and youngest one is 28 years old, so maybe you are talking about Z generation instead?
I mean because the idea that someone aged between 28-43 not making money and using parents money makes no sense to me, I have bunch of friends, and know hundreds more, at that age gap, and literally none of them use their parents money, they are all working, and they all use credit card because why use cash? We literally don't need it, useless to carry around that much banknotes when you could just use a card instead. Interesting hatred filled approach you have there, hopefully you will feel more calm about it.
Regardless of the term millennials or generation Z, what I mean is more about children whose credit card usage is still funded by their parents and I happen to live in an area that has many campuses so I see that almost most of them already have ATM cards and some even use credit cards only for needs that are not too important. The term generation Z is much more appropriate because they have not been able to make money and are still focused on campus to seek knowledge funded by their parents, but what I want to say is that the use of credit cards and ATMs is now very dominant among them.
Even when going out for coffee they use QRIS payments and they rarely pay using cash. Regarding the generation 28 and above, it is indeed unreasonable to still be funded by their parents because they should be able to earn their own money, but under that age I still see many people who are still dependent on their parents even though there are one or two people who are already financially independent.