Good luck. The whole situation is Soviet Union, circa 1989. I understood enough about debt, at 20, when Reagan was voted in and everything started going on the credit card, that this point would arrive. Debt doesn’t matter, until it does matter.

You want delusional, think the family going on vacations and buying cars, using a home loan. Trump and Biden are both demented scabs over an open wound. It will be a train wreck by November and all the pontificating on both sides will be just leaves in the wind.

People are linear and goal oriented, but nature is cyclical and feedback driven.