Take this with a huge grain of salt as in some of these countries like Slovakia, you don’t need to update your residence address for most things. This means that most people in these age groups might show up as living with their parents, while they just haven’t updated their address, even if they’ve moved out.

Also in some countries it’s difficult to change your address if you’re living in a rental, which also makes measuring this much more difficult

Sounds like a very US specific answer. In EU I only have a debit card and sometimes I have a hard time using it even myself because I need to pass 2fa and sometimes even that isn’t enough if I’m on a new browser