It's unfortunate that the Great Depression gene was not transmitted from one generation to another .... never believed in "free money" (credit cards) - made payment to Credit Union to pay cash for cars and stuff .... payed off house early .... lived within our means ... saved and invested ...
I remember too well living in the country during "The Depression" when I was a kid - no indoor plumbing and a well for water ... I had a worn ot pair of cowboy boots that I paid a WWI vet 25 cents for repair - my Mama found out about it and cried ...
Don't owe nobody a dime to this day...
Hard times teaches good lessons - too bad present generations are learning the hard way.