1. Crappy pay
2. Larger than average family size, requiring larger homes and other related increased costs
3. Tithing
I think Utahns are living on a thinner income margin than most Americans. That puts them in a position where adverse financial events can put them into bankruptcy faster than the average Joe.
That doesn't absolve the 'keeping up with the Joneses' group, which exist in every subpopulation, but I think there are a non-trivial number of people that are at risk given the 3 items above.
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