Obligatory: I am not a millennial, and this is just my n=1.
I was really proud of the fact that my success in life wasn't due to my parents, but my own hard work (scholarships for school, not taking money after I turned 19, etc, etc). Yeah, except for the unconditional love, support, and advice they gave me, as well as the knowledge that if shit hit the fan they would have my back.
Lo and behold, the shit hit the fan (divorce) and my parents stepped up big time. Loans at 4% secured with my parents collateral versus who knows what percentage loans to pay for lawyers, separating households, etc. Without their help, I don't know that I'd have been able to get joint custody of my kids, or even get my life back together. They could have just given me money, but then I wouldn't have learned anything - and I probably wouldn't be here.
It's amazing the things you take for granted because you don't know any better. Just the knowledge that the backup is there makes certain avenues easier to take. I say thank-you to my parents a lot. I love them and hope to be able to be as supportive (in every respect) for my kids as they were for me. Lots of motivations for killing the debt and striving for FI.