I blame government schools a lot for this because children are not taught even basic economics. Then they grow up to be in debt, spend way more than they make, etc. It's a trap that most people blindly walk into. Once in it too, they cannot easily get out. I follow Minority Mindset on YT, and he did a video recently. In it he was explaining that 70% of Americans have something insane like 100K+ debt on average between cars, student loans, and credit cards. That's CRAZY. Those people are basically slaves to their debt and will die as such.
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