This in itself is a pretty ignorant and overly generalized statement. Sure there's some that over the years have done a piss poor job of managing their money, just like there's plenty in our generation that can't manage our money. I admit I try to manage my money pretty well (rather I let my wife take care of it since she has an accounting degree and my degree is in audio engineering) but guess what? I have my own student loans I've been paying off for the last 10 years. It really bothers me that has become such a gripe amongst millennials and gen z. Student loans in concept aren't the problem, it's a system that does a shit job in educating people on how to manage money and the 1% that are more than happy to take advantage of that with interest rates that are higher than most mortgages these days. Rising secondary education costs definitely don't help that.
To your last point about some people that have been around forever who don't want to/won't retire, tough shit. That's not a problem unique to us and until it makes sense for them to retire, financially or otherwise there's nothing requiring them to leave. Sure it sucks (trust me, I have literally been the lowest seniority in my plant since I hired in back in 2013, with no signs of that changing for another year at least) but some day you’re going to find yourself in that position of being at retirement age and having to seriously look at your situation and make that decision. As nice as it sounds, 30 and out just doesn't always make sense, especially now that we have the TESPHE instead of the pension that the legacy members have(which I know is another point of contention).
Bottom line is to take that attitude of signing whatever it takes to get a short term payment is completely foolish. I know it's nice to have that big chunk of change to knock down some bills or whatever (I like you am planning on doing the same thing whenever we get that), but for the love of god don't shoot yourself or the rest of us in the foot to get it. A bad deal is a bad deal no matter how big that carrot is that gets dangled in front of you. Make an educated decision. Like it or not that contract effects every single one of us.