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The only way to address and correct this inequity, at least from a North American perspective (the Chinese have huge problems of their own), is to get people living within their means. We need to become less of a no-down-payment, no-interest, no payments until kingdom come culture to one that pays according to what it can afford, best made in cash or at least nearer to my grandfather’s idea of saving up for something you dearly want and don’t get it until you have earned and saved the money. grio