The reality of it is that credit is the life blood of prosperity but it is also the noose around our neck that is being drawn tighter by the increasing weight of each borrowed dollar.
In reality the disparity of resources and the inequality of ability insures that minorities are wealthy and the majority is not.
In reality people are petty, selfish, and self-centered. No matter what solutions are recommended there will always be opposition and nothing will be accomplished or the problems solved.
Where we go from here is yet to be seen. But I fear that it will not be some place good.