Because that's precisely what's happening. Some food for thought. The Number Of Americans Living In Their Vehicles “Explodes” As The Middle Class Continues To Disappear Exploding collage tuition costs, health care costs increasing at around 10x that of inflation, food, energy, cars all increasing in cost faster than what the average person can keep up with. Then what happens during the next recession? This is why we all need a war chest with stacks of bills and PM. If you think the USD is going to implode over night then other items of negotiable value such as gold coins. You have 2 choices, embrace the suck, learn to love the suck. Or large out lays of capital to maybe pay off your home, build your own infrastructure to off set the rapidly rising cost of everything. Of course somethings you are forced to pay for that you can never own like insurance so don't know what to say there.