It's only failing for the poor and middle class who can except that maybe money is the root of all evils as they try to pay for health insurance and all the costs of being poor or in the middle class. House insurance, property taxes, nothing to deduct, ever rising car insurance, medical bills, day care, work 58 hour weeks, and try to get the kids off to school and afford lunch and sports on top of it. It's the life of the average normal American.