Please be truthful with all of us, you are not a REAL American, you appear to be very ignorant on how this nation developed. Some people use credit wisely, others not so well. But again, this is America, and you keep forgetting that being responsible for your own decisions is a big part of being an American.
I know you adhere to this new Conservative Republican ideal that you must have trump and the government bail you out of your life of self-indulgence but being a true American means being responsible for yourself, no wonder you have so many problems with the posters in this forum. Maybe that is why you have so many problems in this forum. You want to blame the government, and now even President Biden because you spent too much money at the mall.
It is getting hard to keep responding to your posts, you sound like a spoiled 15-year-old girl whose parents did not teach you to have any self-discipline.
It is time for you to get a lesson in being an American and be responsible.
You base the American life on a quick poll, most of the country lives in the reality of what they are actually doing in their lives.
As an example, having a job that you have done for years and are getting paid a living wage means that your life can absorb the daily ups and down of the life you are creating for yourself, and maybe the family you have. Then you adjust your needs to sustain that life so that you can continue in your own individual life goals.
Like I keep on trying to remind myself, you are an adult, hopefully you work and get a paycheck. Your post demonstrate that you are always looking to blame anyone for the decisions you have made in your life. If you are that unhappy, maybe you can get some professional help.
Market Data 
Markets 
AI
