Well. It is not quite cheap in America especially for middle class because the big corporations are always rip off big times and made them very rich and more likely that they don't pay taxes or pay very tiny amount of tax.
You are probably right that it is not a big deal about it.
Actually, I have seen many American people are making a lot of money. I could not understand how they make so much money - even, they are not president or own a company. I think that they are cheating to make a lot of money somehow. I am pretty sure that it has nothing to do with their bank loans, but I cannot proof it. For example, many people are driving their very expensive cars and own bigger houses (3,000 to 5,000 sq ft - just for two or three people living in the big house), and a lot of massive houses on several banned farms. The vehicles and houses are rapidly this year. Sorry, this is off topic.