[I was writing a reply far superior to this one until I accidentally navigated to another site and it was all gone; so this will have to do, I guess...]

This calls to mind something I have always noticed. I will use an example that hearkens to many individuals with whom I have been acquainted throughout the years, all of whom are either lapsed or tepid Catholics, or subscribe to the heresies of sundry sects or "philosophies" in order to formulate their own cosmovision.

It seems to me that an economic construct has been implemented throughout the present day industrialized world that has engorged itself by manipulating those conflicting desires and aspirations that a young man has to face in this vale of tears: what St. John had described as "the concupiscence of the flesh, and the concupiscence of the eyes, and the pride of life" (I S. John ch. ii., 16); and the natural desire to seek out a wife and establish a household, as Adam had said, "Wherefore a man shall leave father and mother, and shall cleave to his wife: and they shall be two in one flesh" (Gen. ch. ii., 24).

The aforementioned economic construct avails itself of the former in peddling merchandise and services which are useless and/or positively harmful. The young man is seduced by advertisements that appeal to his lower appetites, and gives himself over to such endeavors and habits that eventually become connatural to him. The concomitant debt increasingly entraps him and chains him to the whirling cycle of billing statements together with the paychecks they devour. Yet the economic machine needs his addictions in order to continue its existence, and so continues to ravenously seduce the young man, that he may seek after shinier trinkets, more clever gadgets, more salacious forms of base turpitude, etc. He plunges in the abyss deeper and deeper, as his grasp of ethical values and right reason become necessarily vitiated in eagerly embracing the naturalism, pragmatism and materialism that such a "lifestyle" entails. Devoid of an interior life worthy of grace and rejecting the cultivation of the acquired moral virtues, the young man ultimately becomes a servant to the machine that robbed him of authentic personality, debasing him to a faceless integer in a homogeneous mass; trapped in a horizontalism that fails to fulfill the spiritual yearnings he attempts to stifle by pleasure-seeking.

Yet, in the case of the individual who has not given himself over to depravity and anti-natural proclivities, a young man still yearns for a family to call his own, for a place to call home. However, he may be denied the opportunity to attain to an employment that could give him a reasonable prospect of founding a family because of artificially contrived and orchestrated financial crises. This predicament is exacerbated by the exigencies of the obligations incurred by the above-mentioned debt. He may consequently attempt to suppress this natural desire for a family, leading to a puerile life of "extended adolescence" as a hedonistic bachelor, or leading to psychological disorders which may become disturbing without proper professional help. Such an individual continues and intensifies the cycle of sin and debt in an effort to escape from the loneliness that unnerves and haunts him.

If he does take a wife, the young man, who does not find an employment requisite to support a family, may be constrained to "limit" his progeny through the use of contraception for pragmatic reasons, though his perverted morals will enable him to eagerly do so and profane the nuptial vows with abominable practices in order to satiate his concupiscence, exacerbated by previously contracted bad habits. Such a man is bound to raise children who will adopt similar patterns of thought and behavior as they pass through adolescence unto adulthood. They themselves may be doomed to repeat the vicious cycle that manipulated and entrapped their father.

So, as the above example seems to show, the economic construct that has denied very many youths the employment necessary for a stable life, and the systematic inculcation and cultural exaltation of such perversions as birth control and sɛҳuąƖ immorality conspire together in an attempt to destroy Christian civilization. It is part of something bigger and darker.

The poor with no debt are actually very fortunate, but I wonder if much of those who are in debt are actually in the middle class.

From what I have observed and experienced, it appears that American society is gradually sinking into some sort of strange and unnerving paradox: while the old class structures have become more fluid and are constantly being re-contextualized, it has become more "classist" than ever.

A great number of the younger generations that have attained to some sort of academic training or university education are finding themselves enmeshed in a cycle of debt and denial of employment opportunity that has essentially negated the great expectations that had entertained (or were given to believe they had) as they were achieving their degrees. This very same academic background has hampered them in their search for employment, as supervisors are unwilling to hire those whose education and talent could potentially threaten their own job security; or because it would be convenient to hire someone of inferior education or with less experience, as they would be payed a lesser wage.

However, people generally seem to have a sort of prejudice in favor of the educated and presentable workers in any job or trade or craft, whether because they comport themselves better, or use proper grammar and enunciation, or dress neater, etc. It seems that the consumerist populace is conspiring with the socio-economic factors mentioned above in order to create a sort of new class of hyper-educated but relatively impoverished and disenfranchised citizens that will avail the financial machine all too conveniently, and will produce a large demographic of confused voters that political demagogues could manipulate according to their designs.

These at least are my observations and personal experiences.