I've often wondered if it has to do with this. I think when I came out of high school there was a belief that if you worked hard you could enter into the middle class. But housing costs have increased so much that what was regarded as the upper-middle class when I was a kid is now the middle class.

So you have people who can become surgeons and corporate lawyers who can maybe afford a small house and what used to be a working class life, and everyone else who can no longer afford to even buy a house, and in many cases can't even afford to rent an apartment.

Human beings are motivated by positive reinforcement, and it doesn't take a genius to see that there is no future for most people in this country anymore. Service industry workers in Montana are having to live out of their cars because housing costs are so high -- and yet there aren't any jobs that will cover the cost of housing. So what is the incentive? What are we going to do in this country when our housing prices start to look like Canada's? Where you have to be worth millions just to be middle class?