That's funny, but I think it touches on the effects of easy credit to this whole phenomenon. Kids are graduating university today with what was previously considered unconscionable debt, and then they pile up credit card debt because they want the best of the best that they see every day on Facebook and Pinterest.

I'm not saying this as a blank statement against young people, there are irresponsible people living beyond their means at all ages. But consumerism as a trend in aggregate has amped up to record levels, and SV is a significant part of that.