I simply speak of living within one's means. A person has to be well below the poverty line before it comes to the point they can't afford the basic necessities of living. Any member of the middle class and much of the lower class can realistically contribute 80% of their earnings to immediate and necessary expenditures and retain 20% towards savings should they wish to do so. The problem is, many choose not to. They not only buy every new item around them but they put themselves in thousands of dollars of debt (I'm not talking about mortgages here) and pay the minimums. Choices have consequences, I think it no great disservice to require Americans to live with some of the negative consequences of their poor lifestyle choices, it's a far better alternative to enabling dependancy where they continue to languish because they automatically assume they will be taken care of, by an institution that eventually will not be able to afford it.