The population of the US has a subset indulging in things they cannot afford, but they are not of my culture. My culture pays cash for everything except realestate, if we cannot afford it, we don't get it. All my instruments are paid for, all my cars are paid for. I have a long term mortgage at a low fixed rate on my home that I can easily afford to pay. I do not have cable TV. I do have a land line phone, internet, and a pay as you go cell for business or emergencies and not as a driving companion. The culture of debt and excess is NOT my culture.