If you want to live a minimal life (and you really should) more power to you but if the smiths wont to live pay check to pay check drowning in debt that's their problem.
I am not trying to come off argumentative to your statement but business offer services that people want. If they don't they go out of business. Responsibility is SOLELY on the individual not the people offering good's and services.
OBVIOUSLY i am talking about business acting in a lawful manner and only talking about discretionary spending.