Perhaps READING what he posted before (not) refuting it via something else you did not read with a dollop of ad hominem to boot might make for a better argument which you do not have to begin with?
Notice a pattern from just a glance at this chart (from April 2017, Hawaii is #1 as of 2018) of State standings in debt-to-income ratio? Yup, the States with the highest debt-to-income ratio just so happen to be the richest, whereas the lowest rankings are the poorest.
See, most of that debt - about 2/3 in Cali - is mortgage. The richer States have pricier houses, while the plywood and duck tape trailers in the poorest cost far less, hence the mortgage difference. Mortgage ain't bad, btw, providing you pay it off, since house values tend to appreciate over time. In the richer States, that's a lot, hence, mortgage is akin to investent.
Incidentally, not only is the economy of California the largest in the USA (and along with NYC, the most important. Take those two States away and Mexico starts to look mighty shiny this side of the border), it is also the SIXTH largest in the WORLD.
According to your line of reasoning, by default, that makes the more educated, better job holding, higher paid residents with better investments (the 2nd highest component of debt-to-income ratio is college debt - also generally a wise investment) higher on the intelligence scale. However, given that there is a wide scale in variation with all that within each State, quantifying intelligence according to such 'criteria' treads towards erroneous.
If you actually had read the Bible, you would know that there's enough holes and contradictions in the Church written/accepted canons of Y'eshua bar Yosephus [or is it Y'eshua bar Abba AKA Joshua/Jesus son of the Father? OOOOOPS, oh no he dihn't!] alone to make a cheap sponge jealous, so maybe go take the Good Book and enlighten yourself.
PS: While you're at it, a grammar book too, cuz, um....
{{Mine sucks also, but I ain't hollering at someone's better knowledge out of jealousy}}
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