The issue is whether or not after one pays off all monthly bills etc does the average joe have more than 400 bucks leeway. Most average families throughout western economies struggle to remain solvent and usually rely on credit cards to pay for extra expenses not budgeted. Its been that way for years.
Bullshit the average western family will have a lot more than 400 bucks leeway a month if they live within their means, if you ain't earning the money you don't need the latest car, phone and eat/drink out all the time and can still live comfortably. It's the sense of entitlement that people have is the reason why they have no money. You have the choice save your disposable income on spend it on shit, sadly most people decide to blow it on shit without first having a safety net.
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