Dear Sir, up until about 1970 or so, and definitely ending with Presinot R.W. Reagan, a family could own a home and have a dignified life on one income, even a skilled laborers income. Reagan changed this by several methods. He broke the air traffic controllers union, PATCO, which led to a full frontal attack on unions, both legally and with massive anti-union propaganda. Then he made tax cuts which started the upwards redistribution of wealth, and stagnating working class wage growth. His pension reform denied teachers, cops and firefighters participation in Social Security. It also deregulated pensions, which allowed companies to borrow from employee pensions without having to effectively ever pay it back. Pension systems fell apart all over the country. The financial industry came up with the 401k, an individual retirement account where companies had the option to contribute to or not. The fees were MUCH higher than pension funds. The housing and mortgage sectors were deregulated, which ended up at the mortgage crisis and crash under GW Bush. Insurance deregulated, investments deregulated, massive income disparity. That is why you can't own a home and raise kids through college on one income of even skilled laborers wages. Not because people are lazy. The USA is WAY WAY more productive now than in the 80's. It is because the elites in finance, manufacturing and so on have been systematically screwing working people in the arse for the last 39 years. Primary thanks go to Ronald Wilson Reagan. He set the stage for this. He also exploded the national debt by a LOT more gov. spending while cutting taxes for the rich and for corporations. If you want to vent go to Reagan's grave and piss on it. If you want to do something about it, work to elect people that will do the opposite of these things. BTW, Reagan passed a law encouraging companies to move jobs overseas, along with a funding program that paid to dismantle factories and export them and subsidized jobs that were moved out of the USA and became non -union low wage jobs. So today American workers have to compete with Chinese workers. American elites LOVE communism when it is over seas. Corporate welfare for the rich, vicious empoverishing capitalism for workers. That is why working people are f'ed, not because they are lazy. If you think this setup is unjust, then vote for anybody but Trump. Because he is Reagan in spades.
Now I am sure I have errors in this. Timeline, maybe even it was other presidents lat did some of these things. Pick this apart if you desire, it was written off the cuff to the best of my memory. But the gist of this is pretty close.