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RE: Desperation and the FUD
Perhaps they are in need of a quick fix because they live paycheck to paycheck, unlike their grand parents.
This is a very salient point and on top of the savings, the grandparents didn't feel the need to continually by throwaway consumables whenever a new colour arrived.
I might also ad that that our grandparents had the attitude that if they could not pay for it in full, they didn't need it.
Yeah, pity they didn't pass the learning down the chain.
What happened is that the greatest generation (WW2) did not want their children to go through what they did during the great depression. So the baby boomers got spoiled and continued the spoiling into the me generation and beyond. Thus we adapted the spirit of greed and impatience. Fast food, fast cars and fast women and fast money. The casinos got their spring board off that. What was a good intention of not putting children through hardship turned into selfishness and greed when multiplied over 3-4 generations. Again thanks @tarazkp