The real question is why the average American is so burdened with debt. Look, I'm not going to debate that we have the greatest standard of living or the largest economy in the world, we do. However, the shift to a service and knowledge based economy is a trap, because these jobs are easily transportable. What we need is a breakthrough of new technologies that will allow a rejuvenation of manufacturing. Anything else is a fool's quest.I suppose that's one way to interpret the rich data of the world. Another would be to suggest that depending on a corporation or a manufacturer or an industry to provide you job security is itself a "trap," a deadly, mind-numbing, enslaving sort of trap. But if that is what you want, why not consider a nice, stable government job? For the rest of us, the "fool's quest" of an information-based economy offers astonishing possibilities for growth, change, transformation.