The average American is in debt research shows. Many have up to 1.5 times annual earnings in short term debt; credit cards and new car loans. This is a huge problem indeed as citizens of the United States fail to save. Some believe it is the banks and credit card companies who should be blamed; this is an interesting perspective indeed. But are we really to blame them for people over borrowing? Well, apparently we have to blame someone, as that is the new way of doing things; just ask Donald Trump, right?

So if you believe this then, who is to blame? Well let me throw out a plausible culprit; the lazy individual who took it all in without respecting the money, carelessly and needlessly looking for greater and greater self-gratification. It appears these individuals have forgotten the hard earned fight of their Depression Years grandparents or great grandparents? Would this not be a factor of the individual family unit or person? Are we to blame government for this failure to be responsible with money issues? I cannot. I do often find myself in disbelief of the bureaucracy created which is so shallow in thinking it forgets what supports it or even why it is exists in the first place or how it came into its creation. But I cannot blame the largest blob of bureaucracy ever known for consumer debt issues.

Some say society is to blame, although that seems like a cop out too, what about the individual; they are not to blame? After all everyone knows when you borrow money you are agreeing to pay it back under the terms for which you borrowed it right? And borrowing money is all well and good but "There is only one problem with borrowing money, you have to pay it back."

May I ask you why you borrow money at all? What do you need to borrow money for anyway? If you have a job you can survive, if you do minimal effort you can live as a minimalist and survive, for the amount to which you put into the system. Those who feel they are now economic enslaved and forced to work for all those things that they bought on credit, made a choice, why cant they live with it? Why is it someone else to be the culprit for their choices? If you are one of the people in debt, you need to do research and have a plan to get out of debt and save money. If you want to know who is at fault, then look in the mirror.