I agree, but feel the root cause is actually easy access to credit. Credit has been driving the economy for the last few decades. If we didn't have easy access

I agree, but feel the root cause is actually easy access to credit. Credit has been driving the economy for the last few decades. If we didn't have easy access to credit that may have forced wages to stay tied to productivity increases. Oh and the decline of unions meant that workers lost their ability to successfully lobby their government, business meanwhile increased their lobby efforts. So, I see the root causes as a rigged game against workers. (Rigged as the odds slightly against our favour, so we get just enough wins and benefits as to not realize that we are loosing overall).