The FICO credit score was introduced in 1989. The average Boomer was around 35 then, which means many of them bought their first homes and cars before an imaginary three-digit number had such a huge impact on their lives. They really did pull the ladder up behind them.
I just found out water is a human right in Ireland and nobody pays water bills.
Every country should be like Ireland.
Water IS and always should be a human right
The reason everything feels like it's collapsing is because it is. The social contract was: work hard, contribute to society, and you'll have security. That contract is dead. Now it's: work hard, go into debt, and hope you don't get sick or old because the system has no plan for you.