Do you seriously believe that people having to put $400 on their credit card isn't a sign of increasing poverty? You are that daft? From your original source:

Do you seriously believe that people having to put $400 on their credit card isn't a sign of increasing poverty? You are that daft? From your original source: >Among those with a credit card, about half always or almost always paid their bill in full each month, while 2 in 10 did so some of the time and slightly over one-fourth carried a balance most of the time(figure 18). Twenty-eight percent of those with a credit card paid only the minimum on their bill at least some of the time. The frequency of regular borrowing with credit cards during 2017 is similar to 2016. It is absurd to look at these stats and think that everything is fine. These are worrying numbers. This shows that there is a certain % of the population living paycheck to paycheck and honestly for people looking this was obvious in 2019. The outcome of this situation now coming to fruition where people don't want to work below a certain wage level and so many jobs go unfilled. Furthermore the sign of bankruptcies declining does not disprove the claim that the majority of bankruptcies are medical related.