I really enjoyed this post. It's true, times are economically tough for people just to feed, cloth, and shelter themselves (and that includes the ex-middle class).
Most people seem to be on a holding pattern like a plane, but eventually all it takes is some significant unforeseen expense, and they will financially crash.
It's really scary times out there for so many people. I'd rather see the economics of the world get corrected before people begin to give up.