Via Andrea (great comments too):

"And even today it is still possible to live the life of a 'lovable goofball' complete with wife and kids and still live within your means if you are willing to forgo the fancy cars and the private schools and the huge, swollen modern home. Fewer and fewer people are willing to do this, though, because more and more people are spoiled brats who think they are entitled to live the luxe life on someone else's dime.

"One more thing: the Frosts' insurance shenanigans remind me of why I got out of the insurance business. I got so tired of hearing Entitled-Americans bitch, moan, and complain about having to pay for their own mistakes. So they had two at-faults and three NAFs and a reckless driving on their record -- why couldn't they get the best rate anyway? And so they missed their last two payments and had their insurance canceled and waited past the thirty-day mark which meant a whole new policy had to be rewritten instead of just reinstating the current policy, which of course meant they'd have to put a new down payment instead of just making up the payments they'd missed. Unfair unfair!"