Is It Just the Puritanism Product and the Puritan Work Ethic?

The Protestant work ethic and the Puritan kind of feeling of restraint, right, which were grounded in religion is what held capitalism and check. When that's gone, you allow for the, you know, everything that comes after that. He basically blames credit cards, which allow for instant gratification, creation of new wants and new means of gratifying those wants. But he actually blames the market I guess, which is interesting.