People are running up credit card debt and not saving for retirement because it's the only way to cover existing expenses. Wasn't there something about a large number of Citizens that couldn't cover an $800 emergency? Housing costs are at an all time high Labor uptake at a low Household debt at a high Auto loan defaults at a high.
The hat trick of neoliberalism is that it doesn't allow thier to be a critique of the system. Instead, it reflexively criticizes the individual working in the system's framework.