I’d add on that the expectation in an individualist society like the US is to become independent and move out. Those ideas are used synonymously in a lot of contexts. Someone who hasn’t moved out can be seen as lacking independence. Of course that isn’t necessarily true, but it’s the perception.

For a young person growing up with these ideas as the standard, there can be a certain safety in forgoing that independence. That was my situation for years, where I was financially independent, but moved back home after my roommates moved away. I was in my mid twenties before I moved out for good.