Don't the vast majority of young people entering the workforce have no capital gains to deal with at all? That tends to be more of a problem for people who are already well off. Are you talking about a narrower demographic or something?

The amounts you paid in capital gains are about 50% higher than I've ever paid. That was the second year I worked at a big tech company and suddenly had stock, which was about a decade into an my extremely lucrative career as a software developer. Most of my friends don't have to deal with capital gains at all because they're not part of the investor class. On average the rates of trading must be much lower for people in their 20s, no?