Exactly. There’s a lot of danger waiting for you when you grow up and leave home. Money would certainly solve some problems, but if everyone knew every 20 year old had a big check they could go get a piece of, it will cause many more problems.
30 year olds will also have the same bullseye painted on their backs, but will at least have experience.
This will create an industry that is centered solely around milking 30 year-olds for every penny they're worth as soon as they turn 30 and then drop them like a hot potato.
This will drive up prices immensely because there's a continuous stream of people turning thirty and your hard-earned 20k is worth the same as their 20k that just fell from the sky.
It's a completely insane idea, and it doesn't solve any problems. When the 20k is gone, it's gone. It's precisely the people who need it the most that are the least likely to stuff it in the bank.
I wonder if to address this, we could do something slightly different. There is definitely a danger here. Hang out around a military base where a bunch of young men got back from deployment and see how many of them are driving BMWs. When I was in the Navy, my junior sailors would blow all the money they made on deployment on shitty cars and strippers.
Maybe instead of just cutting a $20K check, perhaps an account that allows certain purchases. Like here is $20K, it is pre-authorized to use it to pay for tuition for a college or trade school. Pre-authorized for medical expenses. And perhaps other things, but you can't exactly go out and blow it on cars and strippers. Then perhaps with a, if you don't use it by 25, you can roll it into your 401K?
30 year olds will also have the same bullseye painted on their backs, but will at least have experience.