>you must find people who want to live within their means
BINGO!
Some people decided to live beyond their means. THAT is a personal choice. THAT needs to end.
It's called PERSONAL RESPONSIBLITY.
If they bought in to the lie that debt was good, they were morons. So many folks on assistance yet they drive brand new BMW's. THAT is the problem; believing that one can survive living beyond their means!