Pray tell who is Dave Ramsey Pat? (i was not moved to google him because I made a assumption)

Pat wrote: Solving our illegal immigration problems with that idea.

I think you misread, as by my reading, the author is not proposing solutions but rather detailing likelihoods based on materials available in the public record.

Pat wrote: Why is credit card debt so high?

It seems to me the author is weakly making a connection between increased C/C debt being the means of maintaining established lifestyle after having been downsized to jobs paying lower wages.

My answer to that question would be much less flattering.

Pat wrote: Hmnnn Green are you drinking cool-aid with this guy?

It would be lucky for you if I were Pat.

BTW: Do you really believe, what was it, about 900, willingly commited suicide Pat? Similtaneously?

I tell ya what Pat, you get back to me with a specific public stand about where this fella is off base, that would make the beginning of an actual conversation. My Lord wrote, "Come now, let us reason together ..."

Hope you're well ...