Bro you need to wake up. When the American public are such scumbags that they continually elect a government whose VERY EXPLICIT POLICY is to FORCE spending & ENCOURAGE AND INCENTIVIZE consumer debt and INHIBIT SAVINGS due to their insane religious faith in an insane economic "theory" called Keynesianism, then this dude has EVERY RIGHT to "generalize". It's public fricking policy for pete's sake!!!
I was extremely financially responsible when I took my 1st job of my career out of the country... 3 years solid. Then I got back here all proud of myself... and before I knew it, even I fell into the trap. It is DESIGNED very intentionally! Very insidious!
