The plot of Household Disposable Income minus Household Debt, and it is just amazing and profound. See Plot 1.
The data for this comes from the United States Federal Reserves, FRED system maintained by the St. Louis Federal Reserve. The data is from just two of the FRED data sets DPIC96 and CMDEBT. The data sets starts back in 1949 and ends in Early 2012, all I did was a point by point subtraction to produce the this plot.
It looks like we lost our collective footing and just stepped off the cliff in 2000. Was this the result of the passage of the Commodities Futures Modernization Act of 2000? Which specifically stated that CDS were neither future contracts nor were they securities, and therefore outside of regulation by either the SEC, or the CFTC, in other word there is no Sheriff in town and you can pretty much do, as you like, and they did.