Orange
You have now changed your time schedule.
You said wars since 2002 , you now say globalisation from the same date although that happened in thw 70's.

Not sure what it has to do with train fares but do actually agree too much credit has brought Europe to its knees.
I believe you should have the money before spending it. If we had stuck to that maxim then the economies would be in a far better state than they are now.
Credit cards ought to be banned now.