MEGAN MCARDLE ON MIDDLE CLASS DEBT: It’s hard to know what this means for the economy; the graph looks bad, but lots of economic graphs look bad without actually indicating bad news. Personally, however, I’m quite averse to debt — nearly as much so as my wife! — and I suspect that many people would be happier if they incurred less. I’m not saying everyone should go the full Dave Ramsey route, but if you’ve ever listened to financial call-in shows like his or Suze Orman’s you know that there are people out there who have incurred a lot more debt than any reasonable person should. But is it a national problem? Perhaps not.