The U.S. national debt has reached $38 trillion—and here's the thing: younger generations are bearing the brunt. Gen Z and Millennials face a structural imbalance where fiscal policies of the past continue to weigh on their future. Inflation, higher borrowing costs, and reduced purchasing power aren't just economic abstractions anymore. They're reshaping how people think about wealth preservation and alternative assets. As traditional monetary systems face mounting pressures, the conversation around generational fairness becomes increasingly relevant to how individuals approach portfolio diversification and long-term financial strategy.