If everyone 30+ got together and collectively decided what thriving meant, then worked to reach those goals, then I think we would all be thriving.
The majority isn't hoping for a vacation home or to send their kids to Ivy League schools or to buy a bigger boat. The majority of middle class folk I talk to regard thriving as being comfortable enough to send the kids to some postsecondary school and take a few weeks vacation out of the country. They want to have enough to retire at 65 and live a modest life, be able to spoil their grandkids a little... nothing crazy.
The ability for all of us to thrive is already here. It is only the slight matter of systemic overhaul that prevents us.
Agreed on the independence part. We are much more interdependent than we let on (in the US especially, but other places as well).