Jim, you have an excellent point. Yes, I have gadgets but I didn't go into debt to get them. The problem I think is a lot of people aren't "tough" anymore. It has I think a lot to do with the entitlement society and attitude among too many people. Furthermore, parents today often let there kids get away with stuff that there is no way we'd get away with. (Although that being said, I do know people who are strict parents.) It's very frustrating to watch.