“斩杀线”刺痛全美国，消费大国的背后，是资本吃人的逻辑

Core Viewpoint - The concept of "death line" has gained popularity in the U.S., highlighting the precarious financial situation of many Americans who, despite appearing affluent, are living on the edge of financial ruin due to unexpected expenses [2][4]. Group 1: Financial Vulnerability - Approximately 40% of Americans cannot afford an unexpected expense of $400, indicating a low threshold for financial stability [2]. - Many individuals who become homeless were once part of the middle class, living comfortable lives until faced with a financial emergency [2]. - The average lifespan of homeless individuals in the U.S. is only 3 to 4 years, underscoring the severity of the issue [2]. Group 2: Economic Structure - The U.S. economy is characterized by high spending and low savings, creating a cycle where individuals earn high incomes but still struggle financially [4][9]. - High fixed expenses, including taxes, student loans, and housing costs, significantly reduce disposable income for many Americans [6][8]. - For example, a typical high-income earner may see their income drastically reduced after accounting for taxes and necessary expenses, leaving them with minimal funds for savings or enjoyment [6]. Group 3: Consumer Behavior - The culture of low savings is exacerbated by high inflation, which discourages saving and encourages borrowing for consumption [10][12]. - Many Americans view debt as a rational choice, as saving money in a high-inflation environment leads to wealth depreciation [10]. - The high costs associated with asset ownership, such as property taxes and maintenance fees, further discourage saving and investing [12]. Group 4: Consequences of Economic Rules - A single job loss or health issue can trigger a downward spiral into homelessness, as individuals struggle to meet their financial obligations [14]. - The economic system is described as a "survival of the fittest" scenario, where individuals who fall behind are left to face dire consequences without support [15].