Well she is the lucky one - try losing one or both household incomes, taking paycuts, needing to move out of a 1 bed apartment because of a child on the way but being stuck in negative equity.
And none of the above has anything to do with previous mad spending on easy credit.
Didn't see it, but there are a lot of people who have managed to maintain a decent household income with a falling cost of living. Admittedly no one can be sure that this will continue to be the case, but such people need to stop complaining, get on with their lives and spend as usual or the whole economy will just collapse.