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Because of the American Puritannical values, which dictate what the credit companies and advertisers are willing to do business with and the cultural zeitgeist along with it.
The Puritans were some of the earliest British colonists in the US, and were either thrown out of England for attempting a coup to replace the king with a puppet to force their more extremist form of Christianity on the country, or left by their own choice because they felt that the Church of England was too liberal. They were basically a bunch of prudes who believed that the human body and sex were shameful and disgusting.
This has led to the dichotomy where advertisers want nothing to do with sex/nudity, except when it comes to implied sex in advertisements. Because sex is bad, but it also sells, which is good.
I think you were being downvoted because while you may be technically correct, that means little to the daily life of your average person.
The last time I saw data on wages (pre COVID, so sometime between 2015 and 2019), when adjusted for inflation, wages for the average worker had actually dropped about 5% since then. Add to that that prices have increased faster than inflation across the board, even before COVID, and people are losing money simply keeping afloat. The price of a taco at Taco Bell is now twice what it cost in the 90s when adjusted for inflation. College tuition is up something like 1,500% since the 70s (thanks, Reagan). Something like 60% of houses are considered unaffordable to the average American today, compared to 30% roughly 20 years ago.
All this means that purchasing power has dropped, but “purchasing power” and “earnings” means absolutely nothing to people. The number in their bank account dropping instead of going up matters. The fact that people can’t get a mortgage for a house even though the rent they currently pay is more expensive matters. The fact that people have to take on debt to afford essentials is what matters. To the average person, any of that is a clear sign that they’re losing money.