> My guess is that use of these services is much more closely correlated with income, than it is age. > on average the 20-40 demographic is engaging in an enti

> My guess is that use of these services is much more closely correlated with income, than it is age. > on average the 20-40 demographic is engaging in an entirely different form of economic interaction And that is mostly out of necessity, not choice. People can choose to spend money faster than they make it or not. But the rising tide that floats all boats is gone and with it the perpetual growth and prosperity. Worse for the economy is that when you're heavily indebted the only thing you can do is pare back on your expenses in order to both service the debt and build savings so that you never have to go into debt again. In some cases bankruptcy is also an option, but not if they're student loans. Which is a predicament many find themselves in.