Now. An average middle-class American family that has no savings, is in deep debt and buys junk on credit using their 20% (or more) interest rate credit cards, has no choice but to work, and work, and work.

...unfortunately, there are a lot of people that fall into this description. And with down-sizings, if you have a job, you work more...that's a fact. Maybe "compelled" is a better word...

"Once in awhile we get shown the light, in the strangest of places, if we look at it right" - Hunter/Garcia