The end of this is interesting.
How do you feel about the "opt out" people?
Also your comment about people putting petrol, utility bills, work clothes on their credit card. My worldview would be the opposite, I don't know anyone who puts major bills on their credit cards, they put Next and Zara hauls, and if they're putting petrol on it, it's to collect points for flights. I'm not denying that lots of people are living in credit, and I know someone who puts takeaways on Pay-In-6 for example, but it's just different ways of living.
I wouldn't say that I think modern life doesn't work, but mine isn't working right now, either. DS is my eldest and is due to start school this year and I have an unshakeable feeling that I'm signing him up for a broken system, that crushes personality and teaches skills pretty poorly. Teachers are doing their best, but they are cogs in a broken system, with few resources. DD is much younger and currently at a baby class with her Dad while I work, because I have better earning potential than he does... and he lost his job when I was heavily pregnant, so I've been back at work since she was 10 weeks old. I can work pretty flexibly but I feel like I've missed out on so much, and she's SUCH a Daddy's girl, and I wonder if that's because he gets to do SO much with her...
There's a bit of me that wants to bundle them all up and go somewhere else for a bit, for less of a rat race. I'm very aware that it's still working in a new location, but we spent three months last year in Spain for example, where lots of neighbourhood kids were out playing at 7/8pm, so it felt like you got time after work with your kids, rather than getting home to put them to bed and jump back online...