There are 32 million people who lack health insurance. Further, an estimated 40 percent of Americans have taken on debt because of medical issues, making medical debt the number one cause of personal bankruptcy filings. In fact, the bottom 90 percent of Americans hold more than 70 percent of debt in the country. Student debt has grown to $1.34 trillion and affects 44 million Americans. Excluding the value of the family car, 19 percent of all U.S. households have zero wealth or negative net worth. They owe more than they own.

Time for a change!