Thank you Mr. Pessimistic!
IMHO, I'm being realistic. The article that I linked to wasn't all doom & gloom. Read it,...c'mon,...I dare ya!
He states what I've posted before. The 'success stories' in retail will be the Dollar General's, the Big Lot's, the Aldi's-type businesses.
Consumers, present company excluded of course, are way over-leveraged. Kids are 'conditioned' that obtaining material goods is easy, as soon as their credit card application is 'approved,' and it will be. They graduate college with tens of thousands of dollars of debt. Technology makes expensive toys obsolete in two to three years, sometimes before the older toy is paid for. Someone under thirty who is actually 'saving money,' is a very rare bird.
I won't bother posting a tome on what I see in the future for our country. I'll just re-post a quote that is attributed to T. Jefferson:
"If the American people ever allow private banks to control the issue of their money, first by inflation and then by deflation, the banks and corporations that will grow up around them (around the banks), will deprive the people of their property until their children will wake up homeless on the continent their fathers conquered."
We the People are their children...