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The irony is that with 10% unemployment, there is 90% employment. If 3% are at risk of foreclosure, 97% are not, and so it goes. I would say under a broad umbrella that includes the risks of losing a job, home, health, safety, etc. the things you listed are all related.
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We're not at 10% unemployment. Trust me when I say this (as a recently laid off employee), we're closer to 17-20%. I know of many people who couldn't find a job in 6 months and got kicked off of unemployment benefits. Statistics from the government only count those pulling Unemployment, so my friends who got kicked off it are officially "under-employed".
When 1 in 5 people you know are unemployed, it's a huge psychological factor. Even if you're making the same you were 5 years ago, you're sweating bullets. The general psychology of America won't right itself until we get back on track.