You can't talk about responsibility when all you have to work with is circumstances.

That is, American Dream is dead. There are no opportunities to hard work, and hard work doesn't get you ahead. Class mobility at all times low, middle class is shrinking by sliding into poverty, and productivity gains almost exclusively go to 1% controlling capital. This is not a rhetorical turn of phrase, rather a hard cold facts backed by a lot of data.

That is, if the middle class was an index fund, it would be flat since mid 70s with occasional drops during downturns. In other words, a very poor investment.

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