Splitting hairs.

That's an absurd metric to cite as negative. You're either dishonest or don't understand what you're saying.

If the average person in the US only has 105k in debt, including their mortgage, that's a fine situation to be in financially. You're essentially saying that someone with at least 100k, more likely 350k+ in equity, and the ability to live off that equity for a year or two in cases of extreme financial stress.

That aside, 4/5ths of that debt is the home. The average person here only has 20k in debt, including their vehicle which is the majority of it.

Again debt is going up, that should be monitored and kept low, but that number ain't the cataclysmic burn you think it is. Owning most your home and having a new car payment isn't scrapping by week to week.

10%.

250k is 20%

1 in 5.

And it's really the McMansion image in the set that suggests this. Regular large or nice house, whatever, but McMansions were geared towards those sorts of people.

You've just invented a story based on your singular experience. The numbers are there.

Honestly, this entire thread is just a prime example of people refusing to look at data and just sticking to your experience in spite of the data as well as wealth disparity.

20% of families in the US clear 250k. You can easily own a nice home and have a nice truck while saving for retirement.