We are so isolated in our own little worlds, in our own little geographies, that it's pretty hard to understand where someone else is coming from. And so I think that we have to really think about what that means as a country and, frankly, whether this segregation that we have is durable over the long run.

As a culture, working-class white Americans like myself had no heroes. We loved the military but had no George S. Patton figure in the modern army. I doubt my neighbours could even name a high-ranking military officer.

We need to think about how we teach working-class children about not just hard skills, like reading and mathematics, but also soft skills, like conflict resolution and financial management.

We spend to pretend that we're upper class. And when the dust clears - when bankruptcy hits or a family member bails us out of our stupidity - there's nothing left over. Nothing for the kids' college tuition, no investment to grow our wealth, no rainy-day fund if someone loses her job.