Long, you need to do some homework. Few people on this Board understand the financial threads that weave their way through the US economy that originate on Wall Street.

Misery loves company. You're poor? You're poor as you define it. It can be alot worse. Try homeless without any electricity and water on the horizon. That will be what alot of Americans (alot of them) will experience if credit dries up, if people are afraid to invest in capital creation or business expansion. You ought to talk to someone who lived through the Depression. There aren't many left anymore, so hurry.