The median US household has a net worth of $200,000. Even a 50th percentile US household is very wealthy by global standards.

Credit card statistics are heavily manipulated because it's easy to make them sound terrible. I don't know which factoid specifically you're referring to, but the studies about "X percent of Americans couldn't handle an emergency expense without putting it on a credit card" often use tricks like including anyone who would pay by credit card if they could. I remember reading some of these studies and realizing that I would have been included in the statistic because I prefer to use a credit card where I can, even though I pay it off before interest accrues.

Net worth or net income? Being 40yo with only 200k of worth between two when you’re halfway through your working life and have had 10y of appreciation of assets isn’t very much to go forward with.

averages strike again.

Median wealth in the U.S just around $100k - see Wikipedia & other databases.

how many people own houses ? & for those people that own houses - average equity in those houses is less than 45%.

ain't no factoid - but lived reality of most people. maybe on the coasts where techies and finance bros live - but the rest of america is facing a bleak financial reality.