“”I think we’re undergoing a fundamental shift from living on borrowed money to one where living within your means, saving and investing for the future, comes back into vogue,” said Greg McBride, senior analyst at Bankrate.com.”
Three generations too late.
Past time to stop easy credit forever.
You're right, nothing ends forever. However, this shift in lending (requiring down payments, good credit, verifiable income) is going to be with us for quite a while.