What I want to see out of this or future generations is a culture of never-debts, who responsibly save, invest, and not tie their entire lives to credit ratings

What I want to see out of this or future generations is a culture of never-debts, who responsibly save, invest, and not tie their entire lives to credit ratings, shiny garbage, and what wall street wants. The biggest con job on the American middle class was the 401k though, how else could people be so fashioned against their own interests than to emotionally tie their future so intimately with how the stock market is doing. I'm not holding my breath on things changing though...