the 'truth' is banks now control all the money without having to pay us for the shared use.....this is achieved by giving people who cant manage money credit cards and allowing them to go into debt....banks then live off of the interest created by this debt.....in the 'old' days the banks needed us to put money in them ,so they had to offer interest bearing savings accounts...people saved for things and always had a chance to be 'well off' at almost any income level as long as they weren't stupid with their money ...now almost anyone can be 'poor' (at any income level)by mismanaging their debt/.....dont chime in about 401k plans,,, these can go belly up real easy in a bad market(2008), then people panic and sell off too low.. the bottom line on poverty is the rich are killing the middle class with debt....and think us 'lazy'or disabled people deserve what we get .....union killing and tax breaks that arent needed just make it worse...if you really think you are overtaxed fine, start up your own society and youcan pay 100%expenses on building roads ..schools ..transportation libraries ,,sanitation ..and on and on...good luck with that