This comic touches on something that's been bugging me lately: perhaps middle-class wage stagnation can be partially attributed to readily available consumer cr

This comic touches on something that's been bugging me lately: perhaps middle-class wage stagnation can be partially attributed to readily available consumer credit (credit cards, mortgages, financing for all big ticket items, etc). It feels like easy credit removes much of the incentive to push yourself to earn more money. You can live the life you want to live (temporarily) through financing, and deal with the fallout later. I know several people who live like this - their career trajectory closely follows when they've reached their "limit" and have teetered on bankruptcy.