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I think it is our fault that we allow ourselves to become in debt. The system is designed for us to fail and most of us fall into the trap. We work 50-60 hours a week just to make meager wages and can not keep up with household expenses. This model is the family of 3-plus and kids are wonderful to have in your life it is a big expense. Healthcare premiums and out of pocket expenses can go over 25% of gross income. It is great that everybody has healthcare but the middle class is paying for it. Houses, cars, food and other expenses are high and drain the family income. For most savings is just a dream...
Why do I say it is our fault? We are complacent, we keep the same job and complain that we don't make enough money. The solution is to continue with job search and skills improvement. Otherwise you just fall further behind. It isn't going to get any better and it will be more difficult to keep up.!