It is not because things are difficult that we do not dare, it is because we do not dare that they are difficult.
"Correlation does not equal causation." The year 1980 was an inflection point for the median middle-class wage earner. From that point forward household debt/disposable income increased significantly. https://en.wikipedia.org/wiki/Middle-class_squeeze#/media/File:U.S._Household_Debt_Relative_to_Disposable_Income_and_GDP.png