This. To which I'd add the personal greed of Americans, who don't seem willing to save, but rather wish to borrow and borrow and buy and buy. A culture of consumerism that started--once again--with Ronald Reagan.
A description of Erik's novel, Gaviota, is set forth on Amazon's website for the book. Use Gaviota, a novel, or Erik O'Dowd in Amazon's books search engine to locate the novel. Also, information about the novel can be found at Erik's website: www.erikodowd.com.