irrelevant
> Most of my friends/family
your comment was about "Americans" generally. Not about Americans you know.
pointlessly divisive, stereotyping nationality, and without merit. exactly the type of comment we need less of on HN. I replied because it prevents you from deleting the comment.
EDIT: ah, I see that they are now replying with a random article found after hastily searching for sources to confirm their bias with commentary from * squints * a "financial therapist." A CNBC article that is a submarine (as coined by PG[1]), meant to advertise OppLoans.
don't believe me? see all the articles written by CNBC for OppLoans:
https://duckduckgo.com/?q=site%3Acnbc.com+OppLoans
Well then.... my mistake. Anything to justify your comment. Carry on...