Just multiply the figures for those in debt by about 6x or 7x, and add about 30k to the beggar's cup - NYC beggars routinely rake in 50k a year.
This is a good summation because it makes it appear that the person holding cash is the one who is worst off (the bum w/ the cup) while the more debt you are in the better off you are. If there wasn't such rampant debt in our society (multiple unsecured loans, 30+ yr mortgages, etc) then the average yearly income would be probably $50,000 to $60,000 instead of $30,000.
Excellent post. Once again, even with all the spamming and bigotry and nonsense on this site, there is always something of value. Insight into trading, insight into the economy, or even just a good laugh. This laugh also included insight!