There's an old joke - "When you owe the bank $1M and can't pay it's your problem, but when you owe them $1G it's theirs." (Like I said it's an old joke ;)

The US has a culture that likes to blame working folks when they screw up and to some extent it's good for everyone to have a culture of individual agency - you want people to feel that they have control over their fates and work toward better themselves and their families.

But if you twist your society sufficiently that enough average folks sink under the barrage of predatory kleptocratic institutional behavior, then it's no longer just their problem. You might find yourself no longer living in an "advanced mixed economy/democracy" but rather something much less fun.