I’m thinking it’s probably a combination of poor sleep habits as an undervalued asset, along with chronotype mismatches. Something like only 30-40% of the population is the typical “morning lark” that the entire world is structured around. Everyone else is not benefiting as much from sleep or are having consequences. I’m fairly convinced that the insomnia predisposition is related to the chronotype passed from parent to child. 
The book “Why We Sleep“by Matthew Walker is a fascinating and well-supported book for anyone curious about the nature of sleep.