The price of cars is getting ridiculous compared to wages as it is. My wife is shopping for a car and you know what the standard financing is now? 60 months! And some people go out to 72 and even 92months! All to keep the payments affordable. In the meantime, the finance companies are raking it in at the expense of us.
That mostly means that people are buying high priced cars that they cannot actually afford and probably don't actually need. There is seldom any reason for most people to actually buy a new car. They depreciate like milk and mostly what you get for a new car is pride of new ownership. 60 months financing? That means you should be buying something else. Personally I haven't financed a car purchase in the last 15 years and baring economic catastrophe I don't plan to start. Financing a car (new or used) should be a last resort. It's a terrible use of money. Anyone who finances a car with 60+ month terms is almost certainly making a dumb financial decision.
That backup camera system and this will cost way more to the consumer than necessary. For an example, compare the OEM GPS systems with what you can buy on your own - this whole integrated in dash stuff making it cost more is bullshit.
The reason car electronics cost so much is that they don't sell very many of them, relatively speaking. Even cars that sell very well will only sell a few hundred thousand units per year and the design cycles are at least for a 4-8 year production run minimum. Electronics advances WAY faster than car companies can keep up with. The GPS in my truck (a 2009 model) is laughably obsolete albeit still useful. My company makes a part for a backup camera for one of the big US auto makers and the volumes simply aren't enough to get huge economies of scale even at a few hundred thousand a year. Plus they often do stupid stuff like design the parts to use custom connectors instead of off the shelf ones that would cost far less.
Frankly the auto makers should let the consumer electronics firms integrate their stuff into cars to handle the GPS, entertainment, telephony, etc. The car should provide the screen and an interface but let people bring their own electronics to the party. The auto makers just aren't good at it and don't do enough of it to ever realize economies of scale AND their design/production cycles are far too long. What should happen is that I should be able to take my phone into any car and have to car and the phone work together seamlessly.
This country is set up to put us into debt - one way or another.
Debt is a bit like nuclear power. It can be a powerful force for good or evil and you don't want to get any on you if you can avoid it. Some debt is fine and potentially very useful but that doesn't mean one should use debt financing just because one can. I could go out and finance a Tesla Model S tomorrow but that doesn't make it a good idea. Debt is a powerful tool and like most powerful tools if you don't know how to handle it then you are likely to get yourself in trouble.
And in the meantime, jobs are going overseas and are not being created fast enough here.
The data isn't backing you up on a macro-economic level. Unemployment right now is around 5-6% in most of the US which is historically a pretty normal amount. While there is some nuance to that number the facts don't bear out your assertion that "jobs are going oversease" any more than they ever have. As for jobs not being created fast enough here, that's a reasonable assertion to a degree but how fast is "fast enough" for you?