[VLM]

Don't try to use credit cards with the "grew up in the great depression" generation. Pull a graph of percentage of the population participating by individual age, and the graph of newspapers looks like pro sports or nightly network news, the majority crossover age is around fifty years old. Something like 80% of people over 70 subscribe to a newspaper and watch major league baseball, and for people under 30 the percentage is about 20%. Probably varies a little by country, but culture is more uniform than most people think.

The problem isn't that a crossover age exists; look at medical ads, young people eventually get old. The real problem is the crossover age has been going up about one year per year for some decades now.

[moron4hire]

People in their 50s today were born in the late 1950s, early 1960s, which is not anywhere near growing up in the Great Depression. If you grew up during the Great Depression, you were born in the early 1920s. That'd make you 90+ years old today. 90+ year olds only account for about half a percent of the population (http://www.census.gov/prod/cen2010/briefs/c2010br-03.pdf). 99.4% of the population doesn't remember the Great Depression as a real thing.