Interesting thoughts, Craig.  I think I know all of the folks you mentioned, some of them gots lots of 'stuff', on credit they can't repay, but hey...it's shiny stuff.  I'm seeing a brutal 2012 coming in terms of self-induced pain and worry. Well, maybe not 'worry'--because government will fix it.

The reason for this problem is this. The money system is a debt system rather than a value system.

If the people understood this, if they were taught how it works in school, they would know how to act properly with money, and would understand the advantages of doing so. But, of course, then the banking system would not be able to so easily steal the labor from the people to use it to conquer the world.

We either need to change the debt system to a value system (my choice) or else teach the people how a debt system acts almost exactly opposite to a value system, and how to work with it.

While your insights are not without value, your lack of compassion is saddening.  These people, even if they make poor choices, are still human beings as worthy of love and understanding as anyone else in the eyes of God.   It sounds as if you have made wise choices in your life.  Give thanks for that, then, and perhaps you could be slower to condemn others for not having your wisdom.