Well you see…it’s because we as a people reverse financed happiness. The previous generations spent all their good times, so they leveraged the promise of future generation’s fun to subsidize their own fun.

Then later generations whose fun was used as leverage decided they also would like a little fun, and decided to once again to borrow against an already leveraged future generation’s happiness to supplement their own.

Unfortunately you can only borrow against the future fun for so long before you are only able to finance happiness with subprime fun loans. Climate change is currently affecting the speculative value of happiness futures, which is causing the happiness bank to seize any fun collateral we had left.