Is our new building realistically financeable?

- yes, for the most part you are right - however, there is a lot of black & white in this area - it’s just a matter of attitude.

Either the kid "wants" to work or is taught at home that you have to work for money
or
the kid gets everything handed to them on a silver platter and doesn’t know how to handle money. Then the "helicopter parents" rather step back in all areas to enable the child to have everything.

I know this from my own childhood...
You were raised to find a job during your studies - if you want an apartment, you get a cheap shared flat for relatively little money instead of the nice one-room apartment to create the perfect learning conditions for the poor student xD

The result: young adults who already think a two-week holiday job is too much – because working is so exhausting. Studying on top of that?? How should all that even work... Better to mooch off mom.

You then somehow get from grandma/grandpa – saved money from birthdays or other occasions – a used car for 4,000€ on your 18th birthday instead of a leased vehicle worth 30,000€.

That was partly the case before and is more extreme today. I do think there is a lot of black & white in this area and that parents step back extremely to "shove everything up the kid’s ass."

Back when people built houses, they always said: "Make sure you don’t only work for your house - you also want to be able to afford something for yourself."
Today, you should make sure you still have something for yourself because the financing of the children is the main focus.

To put it bluntly - this is just my opinion:

Nowadays, we are raising the biggest pussies who will no longer withstand the ever tougher working day. In my opinion, preparing children for the "hard" life is completely absent.

At the risk of repeating myself: You should have children yourself first. ;)

This generalizing is just annoying. Of course there are spoiled brats, the ones you are talking about – but surprise: they have always existed. And where spoiling begins is something people have always argued about. There was a time (brrr, creepy), not that long ago, when people thought you shouldn’t pick up your baby if it cries in the evening because it doesn’t want/can’t sleep alone. Reason: otherwise you would spoil it. So babies were just left to cry. Nowadays absolutely taboo because unnecessary and also cruel (by the way, for everyone involved, even the mothers “back then” had a maternal instinct). Always these judgments and this seemingly a bit envy-driven… oh well. Just raise your children in a way that you are happy with and leave others alone. Find like-minded people and praise your well-behaved children (but not too much, otherwise they’ll become conceited!). It’s basically none of your business whether the kid next door has to work alongside studying or not.

Oh, that has nothing to do with having your own children - in the past, or rather, I was raised exactly the way I would like to raise my children. Besides, there will continue to be different parenting styles. My thesis ultimately has nothing to do with having or currently not having children. It's simply my attitude/thesis on this topic.

... and of course there is only black and white. Either children have to be 100% financed, are lazy, partying, ungrateful slackers throwing their parents' money out the window with both hands, or they have to earn their own living, responsibility of the parents ends at adulthood.

Man man man, people. I suspect that 90% of students lie somewhere between your extremes, and that is completely fine.