Governments are mismanaging society. We need more say than centralized governments offer, because most common citizens know and can think of better paths and values than what's enacted now.

...says a person from the richest generation in all of human history.

we're fucked.

People don't even understand that a free and clear house will have taxes, insurance, and other expenses. More and more housing is part of an association which has monthly dues. I think we will see big numbers of elderly homeless with gen X that will just get worse as it goes along to the succeeding generations.. Much like everything else.