I can see that point but I think in general the average American will not have a large and sufficient source of income. The article mentions how these firms are

I can see that point but I think in general the average American will not have a large and sufficient source of income. The article mentions how these firms are slowly raising the debt-to-income ratio to >50%. That's not because they're being nice - it's because they can trap more people into taking out enormous loans.