With the upcoming elections and criticism of the current political regime, we still have a lot of problems that have yet to be resolved. And people are mostly making a shift from a Democratic vote to a Republican vote. The thing that we should understand is that both parties are really fighting for the same goal, they just have different views on how the country should get there. Unless you factor in credit, there has only been so much money to go around. The rich have most of it, the working class are struggling for the crumbs the rich drop.
Democrats take money from the rich to give to the poor in the form of welfare, better working conditions, and a raise in wages. In return businesses raise their prices and claim that they had to do it in order to make a profit.
Republicans let the rich keep their money and hope they're nice enough give the poor jobs. Then the poor can't afford to pay the companies because they don't have much spending power, or end up losing their jobs to technology or outsourced jobs. Either way when it comes to foreign policy the goal is the same for both of them... keeping America and friends on top of the global political and economic weather.
Regardless of which party's candidate is in power, the working class loses it's ability to keep its head above water, as a whole. Yes on an individual level people need to budget and save their money, etc. But if bills, and just trying to take care of your family, takes up most of your income, if not all of it, then what do you have left to save? Depending on your wage and what the economy looks like in your immediate area, that little "save $5 a day" rule eventually goes out the door for low income households because you didn't have the $5 to save in the first place. Up until the global warming and "alternative energy" issues came up, when politicians say they're creating jobs, they usually mean making it easier for corporations like McDonalds, Walmart, and temp agencies to put out more low paying jobs. A job is a job, but they might as well stop pretending to be helping us with jobs you can't even keep the lights on with.
When it comes to insurance, those companies have a lot of power that they really shouldn't have. They determine (directly or indirectly) a lot of the economic policies that the consumer, or the worker eventually pays for.
The private sector has never kept the economy going. leaving everything up to the private sector is why you have the concept of the "99% vs the 1%." When an unofficial list of demands came out for the Occupy Wall Street game, most of the demands in the list revolved around closing corporate tax loopholes, decreasing the amount of political influence corporations have, and stopping congress from being able to give itself a raise. I don't know what they're doing now beside just randomly drawing attention to themselves. Most of the ruling class had a handout that put it ahead of everyone else in the game. The country's economic system is not about "how hard can you work to get ahead", it's about "who can you work hard to get where you want to be". Exploitation.