I like to explain that our culture was working fine until sin went mainstream. A wealthy man can afford adultery and a bastard or two. I’m not saying it’s right. It’s not and it can cost the man’s soul. However, the rich could use money to mitigate bad results.
The problem is, we now have millions of poor people who want to make all the same bad choices, but they don’t have the $ to pay for it. Instead, they want you or I to pay for their mistakes. That way leads to economic collapse.
In a worldly -- but still practical and applicable -- sense, a better description might be: "Our culture was working fine until vice went mainstream."