Better consumer balance sheets solve long term economic woes

So the poor performing economy is the number one topic in todays conversations. The long term answer is a better balance sheet and I am not talking about our national deficit. Consumers in the US currently have over 140 percent debt to disposable income ratio. This basically means that debt is unmanagable in any economy, good or bad. This is long term in that incomes need to grow and debt needs to be paid down. This will take years as consumers will not embrace the idea in the short term. Credit unions were chartered to promote thrift and provide credit. I believe if Credit Unions educate their members then we can shorten the adoption of cleaner balance sheets. A stronger consumer balance sheet means a stronger economy. It's not about taxes, government spending, or any political jockeying but about improving peoples financial situations to have a more stable economy. Too often we see politicians lose focus of why they are caught in economic minutae.
Simple solution, tough execution!

Signed an improved balance sheet due to my CU advisor,