Fran Barbaro, the subject of the article’s final anecdote, also provides clues that “envy” and an “extravagant mindset” aren’t the problems behind credit-card debt. Yes, she had art and a three-bedroom (wow) house, but she earned mid-six figures in the computer industry.

Her $200,000 personal debt is the result of “divorce, illness and motherhood,” including unidentified after-school programs that cost $25,000 a year and were apparently needed by her two boys.

The Times’s main point is fine with me. Its recycling of hackneyed myths is disappointing.

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