You see our economy is an intricate, inter-connected social structure which relies on our meeting our economic obligations in a timely manner. Bills must be paid. And that includes our shelter, our transportation, our necessities.

Miss one obligation, one monthly payment, and the whole thing starts to unravel. Anyone who has faced the prospect of bankruptcy understands this. And collectively that's just what we're doing right now. We're forcing about 43% of our population into potential bankruptcy.