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Credit. Because no one on a large scale--so far--seems much interested in paying American workers much more than enough money to barely keep up with inflation over the last four decades.
There's the real root of our economic crisis--borrowing has overtaken average income. It's the same story in every country that has an economic crisis. And, it's not fixed by more borrowing, (see dozens of IMF loan recipient countries over the last few decades if you have any doubts).
It's fixed by more income to the average worker. And that takes work, as it has in decades and centuries past: demanding it, in other words. It's the reason we have a middle class and labor standards in the West at all--our great-great- and great-grandparents and grandparents demanded as much.