I see a lot in what Peter mentions. Perhaps I need some of that tea as well.
The massive increase in credit ratio to savings.
The aggressive selling of multiple lines of credit.
Short term pay day loans at XXXX% interest.
A lack of fiscal education to the legions entering "work" years now.
The entitled attitude of much of the complacent west.
At what point was a phone worth £1150 or £90/month. I love Apple but thats a joke.
Government's attitude to just increasing tax without increases return value.
Government unwilling to make difficult choices for the better due to press castigation.
When I travelled and saw the attitudes in other regions and countries I can see where the rot is setting in.
Perhaps I should place this in the SOAPBOX and put a fish joke on the end....
