This does seem like "Sky blue and water wet" sort of reporting, but that's just because of the daft headline. When most people are challenged with affording the basics, that points to a severe economic risk. We've lived through a period of incredibly cheap credit due to where we are in the monetary cycle of the USD as a reserve currency. We sort of brought it on ourselves though, given the vicious cycle of buying cheap junk we don't need on credit, and then the parties selling us that cheap junk buying our debt. We're overdue for some considered and precise deleveraging. Without it, this problem will only get a lot worse.