Recent reports highlight the significant influence of the top 10% of earners in the United States on consumer spending, driving nearly half of all expenditures. This growing reliance on wealthy households, particularly those earning $250K or more, underscores a widening economic disconnect. As consumer delinquencies rise, the importance of affluent Americans to the U.S. economy has never been more pronounced, raising concerns about economic stability and growth dependent on a small segment of the population. Various studies emphasize that rich consumers are essential for bolstering the economy, as they facilitate substantial consumer spending and thus play a critical role in economic dynamics.