No. I am encouraging him to do everything he can to proactively make his life NOT suck later. Those aren't the same thing, but it sounds like you have an ax to grind. I get it, I have a similar ax but I have to wonder if this ax is really serving you or are you just impotently angry at a world that gives zero fucks?
I don't think your ax is with me. I empathize with your position, The last thing I want is to guilt anyone. And reality is not your, not my, and not OPs fault. We don't have to like reality, but we do have to deal with it. Now the reality is that we live in a system that will reward us for maximizing our peak earning years and punish us for not doing so. I want to be clear that I am not a fan of this system. Not even a little bit. But that doesn't change the system, and sticking your head in the sand and yelling at people that try to pull it out isn't helpful for anything.