The modern American consumer economy rests on four great pillars of debt: the mortgage loan, the auto loan, the credit card, and the student loan. The mortgage finances the house you barely leave because you are working to pay for it. The auto loan finances the car you use to drive to the job paying for the house. The credit card finances everything your salary no longer covers after paying for the house and the car. And the student loan finances the degree required to qualify for the job needed to pay for the first three.
Now this guy... can write.