My niece is living with me for the summer. A few years ago, I hosted her brother. Completely different issues, but same root cause. Niece is 20, in college, and lives 100% off her parents (except for the part I pay for). She's staying with me because I got her a job (her first ever), as an unpaid intern. She takes uber to work every day. She buys lunch out. She eats most dinners out. She gets mani/pedis on a regular basis. She joins expensive gyms. She charges everything to credit cards, which her parents pay (they are comfortable, but they still need to work to afford shit). She really has no concept of how much it costs to just live on your own. Her school loans are expected to be ~$200K.
She will probably float through life and find someone else to pay her loans. I don't even really resent it that much. I just hope that she really can float, because I'm sure as hell not paying those school loans down while she gets massages and pedicures that I won't even treat myself to.