We would live well in the present and pay back later. Today, we’re all aware of the excesses that resulted from this system, since the financial meltdown in the United States was the direct consequence of too many people living on credit, to the point of borrowing hundreds of times the real value of their possessions.

The second shift was the rise of individualism. Since nothing opposed our fulfillment any longer—neither church nor party nor social class—we became solely responsible for what happened to us.