When a country (US) needs consumers, instead of building & creating, as their survival, while eroding their ability to keep that wheel greased, we are doomed.
When the majority of the population uses 'credit cards' with usury interest rates, the debt will take a toll on the whole, and the house of cards will fold.
At this point a record number of car loans are in default, student loans are another burden.
and meanwhile the rich get richer....