I think consumer credit card debt (1) is a good indicator of normal people’s inability to pay for their expenses upfront, i.e. their “income is behind the cost

I think consumer credit card debt (1) is a good indicator of normal people’s inability to pay for their expenses upfront, i.e. their “income is behind the cost of living”. (1) https://www.newyorkfed.org/microeconomics/hhdc https://www.newyorkfed.org/microeconomics/hhdc