How I would solve the job problem. I would introduce a totally new program

[lunatica]

45. The older generation had enough money to live within their means

and they usually did it with one income in the family. What changed is not the character of people as you infer, but the fact that the greed of corporations like banks realized that when women started to go to work it meant they could raise the value of homes and get longer mortgages with larger interest rates. Then it forced families to have two incomes in order to be able to afford what one income used to.

The fact that you have enough doesn't mean most of the rest of us do. People kept expecting their incomes to keep up with the cost of living, but then the corporations decided they needed to make bigger profits while cutting salaries or never bothering to raise them.

Credit cards and equity became the only way to make ends meet.

I'm happy for you that you have all that character like the older people did though.