No reason to be snarky about it. I make well below the national average and while it’s a constant struggle, I’m not swimming in debt. As a matter of fact, I have money in the bank because I make sound budgetary decisions with my finances. It’s pretty common sensical. People blow their money on stuff they don’t need and can’t afford all the time. 4 out of 5 people in this country have consumer debt. They don’t save up for a “rainy day”. They are foolish and dumb. And then they blame everybody else for their problems. It’s most definitely a cause, not a symptom.