The amount of credit card dept nationally is directly related to cheap money. Money has been relatively cheap for so long (starting in earnest near the end of the 80s) Make money expensive and people will save it, and not overuse it.
Still the hardest part of this is that most people in the lower half have no way of turning this around right now on their own. Stuffing money under a mattress (in principle) is a very bad idea. You will save yourself poor. Granted running up credit card dept will certainly not help matters. Access to money (in the form of credit card dept) is sooooo cheap its hard for people to say no to such bad habits. This is why my liver is very happy a good single malt is so expensive.