Ultimately it has nothing to do with being able to afford but rather people are increasingly bad with their finances. The high majority of America today is in

Ultimately it has nothing to do with being able to afford but rather people are increasingly bad with their finances. The high majority of America today is in debt at will and much rather use a card over hard cash. Savings? Ha..nope. It’s all the rage to have a nicer house, car, possessions than to be financially safe. It’s not work that has failed people, it’s the parents that failed to teach their children how to conduct themselves in a fiscally responsible way.