By your definition, draining down your savings because your expenses far exceed your earnings is 'status quo'. A drug addict upping the dose they take every wee

By your definition, draining down your savings because your expenses far exceed your earnings is 'status quo'. A drug addict upping the dose they take every week, to maintain the same rush, until their heart finally gives out is 'status quo'. Continuing to push on the accelerator, as your car is on its way off a cliff is 'status quo'. You're also presenting a laughably false dichotomy for an alternative. I have an incredibly hard time imagining that you honestly believe that to be the only alternative for our current trajectory.