Thanks for sharing your opinion. My comment has very much to do with current times. I have never been in debt, never carried a credit card debt, always saved, and I live minimally. But with all that, our current healthcare system has left me with several hundred thousand dollar debts. I am 63 years old, and I saw my life savings wiped out. I loved how she started off the article, but the ending (about things looking up) won't happen for many people unless our system greatly changes. I do believe she was trying to end her article on a positive note, but it seemed incongruent with her previous paragraphs.