It always seems that you debate yourself. My description was true in a lot of cases but not all. It was used as a talking point the fact is that many people are in way over their heads and like you said, were never taught how to be responsible. The cost of living stretch's everything to it's limit and beyond. They take a chance and decide to use credit to finance a trip to WDW. They have no assets, they only have debt. Even if they have a little cash it isn't always the wisest move to spend it. I was never taught about that in school either and most aren't, but our parents should have had and do have a major roll in that training. Schools are not able to teach by being roll models, parents are, but either can't or don't. If they come for a classless background chances are that is how they will remain.