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1) The US has ridiculous things like "medical bankruptcy," "working homeless," and "school lunch debt." If you lined up all of the world's people by net worth, with Elon and Bezos at the front of the line, and the least wealthy people at the back of the line, the only country with more people at the tail of the line than the US, would be India (farmer's debt).
Most Chinese workers couldn't understand how you could be $300K in debt without a gambling problem.