Wouldn't comparing the actual numbers with a line that represented both inflation and increases in disposable income be most fair? In which case from my eyebal

Wouldn't comparing the actual numbers with a line that represented both inflation and increases in disposable income be most fair? In which case from my eyeballing: a) Credit card debt has doubled b) Personal lines of credit have tripled - but this could be related to an increased number of lines of credit available to people. c) Mortgages look on pace d) Household debt has increased about 50%