But if you want something NOW, instead of saving up for it, you take on debt. People don’t have as much patience it seems, than in years past. Also society has become more reliant on convenience (which costs more) and being lazy than taking the longer route (which costs less overall).

But that’s the freedom in it, right? The ability to choose the more convenient, fun route than the longer, saver route. An “ant vs grasshopper” fable in real life.