Excellent discussion, OldBridge. Thank you. The reality of what has been happening to the middle class these last 30+ years certainly should be a populist issue. However, I really think the middle class in this country has not been paying attention to the political and corporate dynamic that has been methodically destroying the American Dream in our country and is just now realizing that something's wrong. 

I remember when the banktruptcy bill also known as a giant kiss to the credit care industry passed. Chet Edwards voted with the Republicans for it, the Democrats voted against.

The *personal responsibility* also fell with the lawmakers who didn't set restrictions for the credit card industry (and banking industry) to prevent them from being able to both issue credit and gouge consumers.

And let's not forget that many people file for bankruptcy because of not being able to pay medical bills.