Health Insurance Ultimatum

Select a set from the following
Throne of Eldraine
Zendikar
Earlier, including them, are called "elderly.
Those after that are called "youth.
Exile the elderly from the player's hand, library, and graveyard.
During this game, the cost of the opponent's youth is increased by 2.
If this effect reduces opponent's library to less than 20 cards, you lose the game.