> problem is unchecked consumerism Problem is if the US consumer had the “moral awakening” you propose (and to be clear you are claiming that basically we are

> problem is unchecked consumerism Problem is if the US consumer had the “moral awakening” you propose (and to be clear you are claiming that basically we are in this situation due to the weak moral character of the average American) then coincidentally our entire economy would begin to crumble. It’s not just car loans, our entire economy works because of debt, and has for at least the last 20 years. The idea that nearly every one benefits financially from this behavior and yet we see this behavior at scale solely and coincidentally because of a sudden mass moral failing is a bit hard to believe.