People know that, that's not the issue. The issue is that wages over 4 years have not kept pace, which means that not only did they go in the hole (debt) during

People know that, that's not the issue. The issue is that wages over 4 years have not kept pace, which means that not only did they go in the hole (debt) during this time, but they're still either adjusting what they purchase or continuing to slide. Debt has skyrocketed if anyone's had their head under a rock.