[DoughtyOne]

You probably have a different scenario in mind. I don't see it, because I
took on debt to purchase cars, furniture, and other things we wanted. After
we did, things would be tight for a while, but I was always able to get
things paid down.

I just never saw someone else being the culprit there.

[grey_whiskers]

Student loans in grievance studies, perhaps?

Car loans for 84 months (back after World War 2, I have read, home mortgages were that length).

The doubling of home prices out of thin air due to securitization of mortgages and the offloading of risk from the banks ("liar's loans").

etc.