> living in India now and I realize how many things are very hard to get here.

What are the things is hard to get in India?

There are tons of people in India spend/go into debt to buy a fancy motorcycle, card or cloths or house. Millions of people are in Debt. Thousands of farmers suicide every year because of debts. They may not buy the same thing as Americans, but a lot of people do live paycheck to paycheck.