I disagree. I see this with lots of things. Automobiles, OTC drugs, televisions, large ticket financing, the list goes on and on. People are blatantly lazy, complacent, stupid and or bury their head(s) in the sand when making informed decisions. It is everywhere. What is worse is unlike 20 years (and more) ago, the information NOT to make such foolish decisions is easily available.
Worse Western society increasingly insulates these fools from the repercussions of their actions. This is done by taxing (in many ways) those who have shown discretion and or good judgement in their spending and decision making habits in order to alleviate their situations.
The worst part of this ever escalating mess, it that even those that take the time to make informed and wise decisions can run into a bit of bad luck. They are rarely in a situation to receive the aid that they have been forced to give the fools because society has set these systems up to avoid taking care of those that pay for them.