Most young people would (a) be better served in the immediacy by the highest possible deductible and (b) once established in one, grow into middle-aged people who have set aside that deductible just by maintaining their HSA.

Converting to high-deductible is a problem if you're living at or above your means and are approaching middle age. But presumably regardless of your socioeconomic status, if you're just starting out in the market, given the choice between high- and low-, you're better served with high-.