US Consumer Debt growing

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Patriot Nurse

🚨What The Bank Teller Told Me Today-- It's Bad​

May 15, 2026
In this video, Patriot Nurse shares a disturbing conversation with a longtime bank teller that reveals what is really happening behind the scenes of the U.S. economy. As inflation, banking stress, housing costs, debt, and the cost of living continue rising, something troubling is starting to show up in people’s finances. What the bank teller said about people’s bank accounts was hard to ignore.


16:00
 
This is how they keep the asset-bubble growing. Lowering standards for lending, so the sheeple keep on signing and charging and the fake numbers look good.

It's come down to, "How can we fool them TODAY?"

It's also why they're agitating for another Plandemic, WHILE trying to sell "lockdowns" as some sort of universal solution to problems like scarce oil. As if cutting out the discretionary private travel, a small percent of transportation, out of a small percentage of total oil use...as if that will have meaningful effect.

No, what they want is another engineered economic upheaval, so they can get their Bailouts and Stimmy checks, and the Globalist online retailers can get moar of that tasty Free Money.
 
Just an interesting read, nothing more. Make of it what you will.

www.unz.com

Debts That Cannot Be Paid Won’t Be

For an issue organised around the question “What is to be done?”, R. C. J. Cranstoun spoke with Michael Hudson about debt, rentier capitalism, and the geopolitical fracture around sanctions, energy, and the dollar system. What follows is a lightly edited transcript. CRANSTOUN: The theme of this...
www.unz.com www.unz.com
 

More People Are Financing Cars for Crazy Lengths of Time​

Jul 9, 2026
A surprisingly large number of people are financing cars for 72 months or longer - and even on used cars.


10:34
 

Why People With Less Money Always Have More Than You​

Jul 16, 2026


24:32
 
searcher said:
Credit Cards Are Destroying Your Finances (Here's Proof)

Aug 6, 2026 CORTE MADERA TOWN PARK


24:40
Click to expand...

You cannot function without a credit card, these days.

HOWEVER. You do NOT need to carry a balance. Nor, of course, should you.

This should be a test of maturity, of adulthood. You have a $5k limit on your card. Do you have no balance carried over past the billing cycle?

Congratulations. You're mature enough for...for whatever's being considered.
 

The State of Americans’ Auto Debt​

Loan and lease balances outstanding for new and used vehicles rose by $28 billion in Q2 from Q1, and by $58 billion (+3.5%) year-over-year, to $1.71 trillion, according to the New York Fed’s report on consumer credit, based on Equifax data.

Auto loan balances rose over the years with vehicle prices as automakers kept going upscale with bigger, fancier, and more advanced vehicles. Balances also rose as vehicle prices spiked during the high-inflation years and chip shortages of 2020-2023.

More:

 
searcher said:

The State of Americans’ Auto Debt​

Loan and lease balances outstanding for new and used vehicles rose by $28 billion in Q2 from Q1, and by $58 billion (+3.5%) year-over-year, to $1.71 trillion, according to the New York Fed’s report on consumer credit, based on Equifax data.

Auto loan balances rose over the years with vehicle prices as automakers kept going upscale with bigger, fancier, and more advanced vehicles. Balances also rose as vehicle prices spiked during the high-inflation years and chip shortages of 2020-2023.

More:

Click to expand...
To me this speaks to the mental health and (decreasing) competency of the buying public.

I've got a lot, all negative, to say about today's cars and the auto market...but to put it in a nutshell, it's that the value proposition just isn't there. The cars are overpriced; they're DEMONSTRABLY not durable or engineered for long life. And that inexpensive choices in the new-car market have disappeared...all of Ford and GM small-cars; Mitsubishi's little non-SUV offerings, and even Toyota's two smallest cars...these disappeared for low sales...tells me, at heart, customers are making unwise choices.

Unwise? YES, when the best-selling cars are selling for more than HOMES, twenty years ago. When they're more than twice the average annual income of buyers. When this HUGE amount of money is borrowed at 7-to-15-percent. Thousand dollar monthly loan payments.

Those are not wise choices. At some point, a sentient individual has to look at that and say, I can't reasonably manage that. A thousand a month for ten years? What's that Bling-Bling Bro-Dozer gonna look like in ten years? Because I'll still be paying a thousand each month for it.

Just because some predatory finance company WILL lend money on this, doesn't mean the potential buyer SHOULD take it.

These are not Einstein-level questions. This is part of adulthood...times get tough, you can't have what you might want.

People cannot grasp that, it seems; and they're making asinine choices. Lack of basic competence; absence of applied intelligence.
 
Casey Jones said:
To me this speaks to the mental health and (decreasing) competency of the buying public.

I've got a lot, all negative, to say about today's cars and the auto market...but to put it in a nutshell, it's that the value proposition just isn't there. The cars are overpriced; they're DEMONSTRABLY not durable or engineered for long life. And that inexpensive choices in the new-car market have disappeared...all of Ford and GM small-cars; Mitsubishi's little non-SUV offerings, and even Toyota's two smallest cars...these disappeared for low sales...tells me, at heart, customers are making unwise choices.

Unwise? YES, when the best-selling cars are selling for more than HOMES, twenty years ago. When they're more than twice the average annual income of buyers. When this HUGE amount of money is borrowed at 7-to-15-percent. Thousand dollar monthly loan payments.

Those are not wise choices. At some point, a sentient individual has to look at that and say, I can't reasonably manage that. A thousand a month for ten years? What's that Bling-Bling Bro-Dozer gonna look like in ten years? Because I'll still be paying a thousand each month for it.

Just because some predatory finance company WILL lend money on this, doesn't mean the potential buyer SHOULD take it.

These are not Einstein-level questions. This is part of adulthood...times get tough, you can't have what you might want.

People cannot grasp that, it seems; and they're making asinine choices. Lack of basic competence; absence of applied intelligence.
Click to expand...
For most people that want the convenience (and looks perhaps) of having a new car. I buy used. They are relatively cheap.

I lost 13 cars in a hangar fire in 2018.

www.fox9.com

Authorities respond to fire at Anoka County-Blaine airport hangar

Authorities are responding to a fire in a private hangar at the Anoka County-Blaine Airport in Blaine, Minnesota.
www.fox9.com www.fox9.com
www.hometownsource.com

Airport hangar fire blazed for hours in Blaine

The Spring Lake-Blaine-Mounds View Fire Department had a long night battling a hangar fire Monday, July 30.
www.hometownsource.com www.hometownsource.com


I am back to 11 now buying used. But I can work on cars and am building a workshop.
 
Viking said:
For most people that want the convenience (and looks perhaps) of having a new car. I buy used. They are relatively cheap.

I lost 13 cars in a hangar fire in 2018.

www.fox9.com

Authorities respond to fire at Anoka County-Blaine airport hangar

Authorities are responding to a fire in a private hangar at the Anoka County-Blaine Airport in Blaine, Minnesota.
www.fox9.com www.fox9.com
www.hometownsource.com

Airport hangar fire blazed for hours in Blaine

The Spring Lake-Blaine-Mounds View Fire Department had a long night battling a hangar fire Monday, July 30.
www.hometownsource.com www.hometownsource.com


I am back to 11 now buying used. But I can work on cars and am building a workshop.
Click to expand...
I have bought new in the past - when buying new represented a warranty and increased reliability. Seriously...there's no comparison between a 2000-era car, which could easily last 200k miles with care...that, with a 1980-era car, its carburetor, its miles of vacuum hoses, its poor mileage, propensity to rust.

The improvements in that generation were legion. And a new car, back then...$12k for a stripper. Which they made...I had bought a $10k Jeep TJ Wrangler, then, with the (bulletproof) four (based on the AMC-Jeep six, which was legendary) and no carpet. Did fine, on and off road. Better because it had a manual transmission and no frills...I could even work on it. Chrysler's fuel-injection was reliable and economical.

Not like today, when every car has a 10-speed automatic (or CVT, which quickly fails) air-conditioning, 25 airbags, if you hit a bump too hard, and all the screens. To say nothing of design flaws like a timing-belt that must be changed at 50k and to do that, the engine removed. Or the front clip. Or something ELSE to require 15 hours of labor.

The whole of our society has become STUPIFIED. Engineers, marketers and managers of auto companies are suddenly contempuous of their customers. CUSTOMERS are making JACKASS choices and agreeing to CRUSHING debt.

I've said it so often it's now trite; but this is literally Idiocracy.
 
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