This is a serious part of the problem. Home insurance, car insurance, can be bad, but at least you don’t usually have to deal with them. You can go years without needing anything from your home insurance.

You WILL need healthcare, minimum once a year. Most people need it every month or every few months. Your car insurance doesn’t pay for your oil changes or new tires because those are guaranteed maintenance costs, not unexpected emergencies.

Social media did to our parents what they thought video games were going to do to us.

And what our grandparents thought tv would do to them.

Sorry to come with “um, ackshuslly” but they didn’t ask if they were convicted of a crime. The question was "were they jailed? And according to your post, they were not.