Also to my point, while it is not without exception, I was also trying to illustrate how time and age change our perspective. Generally in my experience, life was freaking great until I hit say, my mid-30's. While this is not a hard and fast milestone, when we are younger, we tend not to worry about the future as much. It does catch up to us in one way or another.

I was you 22 years ago. All of what you say is very familiar, and not wrong, just from a younger point of view. Time changes you.