Not yet, but it's a mathematical certainty.
How do you explain this to boomer parents?
They think they've done awesomely
How do you talk to brainwashed zombies about economic reality?
No one who's "established" (ie. as a mortgage paid off) wants to understand or give a fuck.
How can I manage without a bank account?
I sure as shit don't trust any bank
http://didthesystemcollapse.com/