Welcome accessory citizens to your new neighbourhood. A dystopia like this is not just on the horizon it's all but here already. "Middle class" is not meaningful any more. Working class has slipped into actual poverty and the middle class are now accessory to the wealth hoarders.
Educated twenty-somethings don't have much of a future to look forward to. They can't even afford the land to put an Accessory Dwelling Unit on, they'll have to rent one from an existing home owner. They will be living on a salary that stalled in the 90s, dealing with ever rising food and environmental costs, and subsisting in a world where we have a perma-health watch reducing their freedom to socialize.