So true! Many people are just a few lost paychecks from everything falling down around them. It is like those buildings made for movies that are just a front with no actual substance behind them.
They have the best of everything, car, phone, house - but it is all on payments. People are conned into thinking they can afford it because they can make the payments on it. It is why car salesmen just talk about the payments and not the total cost. The fools aren't thinking it through!