There are moments in some episodes where our Everywoman admits to having financial difficulties and even gets her creditcarddeclined publicly on one occasion.
For many customers, the first time they know their bank has been shut down is when their creditcard gets declined or they walk to their branch and notice it's closed.
Their credit-card debt has declined, most likely because many millennials cannot get a creditcard, and in part because they know they cannot afford to spend now and pay back later.