Create an ultra-viral YouTube thumbnail for a finance documentary video titled “Why Gen Z Will Never Afford A House”. Show a stressed young adult standing in front of an expensive modern house with red rising price charts, inflation symbols, and bank debt warnings. Use dramatic cinematic lighting, emotional facial expression, dark background, glowing red and green financial graphics, broken American Dream theme, luxury house in background, bold large text saying “NEVER AFFORD A HOUSE?” High contrast, ultra realistic, emotional, clickable YouTube thumbnail style, designed for millions of views.