Well since this in on another sub forum now I can change rethotic a little bit.
For example ordinary people spend something 50%-80% of their income just on basic food. There is no much space left for some "big personal growth".
Plus the gas prices are too high: 7.60 $ for a gallon. while the average income is between 500 and 1000 $ a month. (real experts may get 1500$)
And retirements are somewhere in 200-300 $ a month zone.