I am educated on how the system works. Capitalism and Credit or in other words, compete to obtain things we cannot readily afford without borrowing. Most americans work to pay back what they owe, be it student loans, credit cards, car note, house note, medical bills etc. Then you got jobs that don't pay shyt. You work twice as hard for little to no $$$. Just enough to get you to the next pay check, once you add in food and other basic shyt.. you're sol on savings. The system as you like to call it is rigged.
Its not rigged, we are handicapping ourselves. We need to save more and stop spending every red cent we make on nonsense. Some people have an iPhone with a $1,200 a year 4G plan, high speed internet/cable @ $840/year, eat out 2-3 times per week ($5 a meal at McDonalds) @ $720/year, it be the little things that add up fast.