[stokedmartin]

References which may be helpful to understand some of the factors mentioned:

- debt worldwide hits 86k per person [ref: https://news.ycombinator.com/item?id=18683923]

- people buying cars using financial products they don't understand [ref: https://news.ycombinator.com/item?id=14476381]

- rollback of federal oversight [ref: https://www.nytimes.com/2018/05/22/business/congress-passes-...]

- wage stagnation [ref: https://news.ycombinator.com/item?id=19253364]

- how consumers and lenders pursue consumer debt [ref: https://www.propublica.org/series/unforgiven]