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This isn't to you as much as America at large. But WHO forced people into a situation whereby missing a paycheck was a catastrophe? WHO forced them to live beyond their means? WHO forced them to borrow money as a lifestyle?

I'm just asking... and before anybody has harsh words for me, I understand what it's like to be under this sort of stress. We worked very hard, and for a long time to get out of debt and we continue to exercise discipline to keep it that way. It's not easy. The entirety of the "American Way" is set up to make it EASY for people to borrow money, and people do!...as if it were simply a "way of life". But how's that working out now that a microscopic pathogen, or rather the fear OF, has put the economy at a standstill?

If we do NOT control the conditions which dictate our ability to repay debt (IOW - "job security"), then why in the world would we EVER vow to pay a debt? If it's not guaranteed that we will keep the job, why vow to pay the debt? Do YOU control conditions which make your job viable? Probably not. Not many view it this way though.

The bottom line is this... Debt is evil. Don't DO IT. Refuse to practice it. Live within your means. If that means driving a beater and living in a "bad part of town", then don't be in debt. But work hard to rise above it. It can be done.

I grow weary of hearing people bitch about their own personal financial problems, when they themselves put themselves there. Almost NOBODY will be honest enough to admit this though.