it’s basically the decline in human self-discipline, which has been trending for many years. It can be seen in trends like declining marriage, drug use, babies born out of wedlock, obesity, and an overall growing theme of living in the now rather than preparing for the future. People can bellyache all day about the high cost of this and that, but the average person wastes a lot of money on useless crap. I know it’s easy for me to say this from the anonymity of my keyboard, but I have no doubt that if I took a look into the life of anyone crying broke, I’d find a whole lot of dysfunctional behavior and a series of bad choices