This is a graph of the bankruptcy rate for the United States. Notice on the left that it is not linear, near the bottom it is 100, near the top it is 10,000. This is the American dream in the REAL WORLD.
Since Christmas I have emailed 1200 economists about this ignoring consumer depreciation business. I have gotten back 5 responses. One of them said my information was "interesting." They can't solve a grammar school algebra problem for 50 years and it's "interesting."