Thoughts: * Standards of living are variable, and especially so between different social classes. * Debt requires someone to earn more money than they would o

Thoughts: * Standards of living are variable, and especially so between different social classes. * Debt requires someone to earn more money than they would otherwise need to in order to meet the same standard of living as someone without debt. * The variety of higher margin products and lower margin counterparts create inefficiency in making consistent spending choices, particularly when it comes to visibility (e.g. marketing). * Healthcare costs can be extremely variable from person to person. * A big question is what it takes for a person to feel contentment. E.g. I have multiple family members living hundreds to thousands of miles away from me, from each other even, that I never get to see, and I would be a much happier person today if I was able to spend more time with them. Other factors can include obtaining a sense of achievement in what you do with your time, or a sense of approval from your peers. * People have a much smaller pool of peers to identify with if they don't go to a regular workplace or gathering of some kind. * There are regional differences in supply and demand, especially for property, housing, water, and egress. I'd include food, too, if I didn't think you were targeting the US. I can probably come up with more, but I'll just leave it at that for now.