"OK... but your diatribe still fails to explain how the economy could be "rolling"... while American middle class workers have "lifestyle choiced" themselves into the lower wage, less discressionary spending position they are in today?:

#1 That his not a complete process yet.

#2 ever hear of credit?

Also take a look at what the avg. person has done with their home via the lower mortgage rates. It will suprise you. Take a look at wages even though they are creeping up a bit. Then take a look at savings there is your answer.