Hence me saying "for the most part." I agree that it's hard to get by these days, but we are creatures of comfort.
When you said "my fault for not making enough money" it made me sad; I have gotten into arguments with people on here before who have implied that by working hard you will make more money, as if people who don't make a lot of money don't work hard. I am a living example that's not true, and I hope you know I meant no offense in my statement about working families. I'm guessing you're a pretty good guy who takes care of his family any way he can.