Financial dependence can be a symptom of larger problems, but is not intrinsically a problem.
I've actually considered moving into my parents' house because they are gone for 9 months of the year and they would like me to take care of the place. My sister lived there till she was 28, but she was working a corporate job and making plenty of money. She just didn't want to set up her own household when all she needed was a place to sleep. In continental Europe, it's always been common for people in their 20s to live with their parents. However, some people live at home because they can't hold down a job. This is obviously a problem.
I think the problem that a lot of 20 somethings have is that they are addicted to choice. Although they have enough opportunity to do anything, they think that they can do EVERYTHING. However, every choice means turning one's back on another option, so they are paralyzed and unable to move forward.
A generation ago, financial stability was less of a foregone conclusion, so it was the common goal for young people. After growing up in the 90s, many in my generation think that financial stability is a god-given right, so they try to set "bigger" goals, and end up achieving nothing.
I think that this generation will turn out alright in the end. The problem is that, with increasing wealth, societies have always slid back the moment of "coming of age." Adolescence is a historically recent phenomenon. Now, in the United States, it's slipping even into the 20s. Eventually, I think there will be a consensus about the best age to truly grow up. Most people would agree that the material luxury that facilitates adolescence is a good thing. It represents progress that 15-year-olds are not getting married and going off to war. However, I doubt that it's beneficial for one's 20s to be spent in extended adolescence. As an earlier poster mentioned, we'll have to wait until we see what becomes of this generation, before we can come to a definitive conclusion.
Ultimately, wealth itself enables extended adolescence, but only if parents permit it to. On one hand, you can look at the demise of great American families like the Kennedys. One the other hand, I have some friends who are very hard working and motivated, despite having parents who are worth between 10 and 400 million. Such anecdotal evidence lease me to believe that wealth is an enabling factor, rather causal.