I think I understand your points, and largely concur. My primary point in posting the graphic is to emphasize the aggregate over-reliance on credit, by the federal government, state and local governments in many places, and by individuals as well. Government credit is backed mostly by faith in the various entities, as they create nothing of value and rely on theft to fund themselves. Even the most responsible, self-reliant, productive individuals are or will soon be feeling the repercussions of this love affair with credit, as it impacts everything that has to do with the USSA FRN, for starters.