I agree with each of your points. However, people need to know they can do something about it. If not, they are just hopeless without any chance of escaping.
I have seen many cases where people get into debt to fill some void or unhappiness in their life. They buy stuff to feel better without actually addressing the root issue. In turn they end up being in more debt and still unhappy.
RE: Are you a Slave? I was a slave to the American Dream. Learn how I escaped.