In Nothing We Trust

According to the authors of this article, Americans are starting to lose faith in the institutions on which this country was founded. Institutions like the government, politics, corporations, banks, businesses and so on. Seven out of ten Americans believe that the country is on the wrong track and eight out of ten are dissatisfied with how the nation is being governed.

by Ron Fournier and Sophie Quinton
Updated: April 21, 2012 | 5:43 p.m.
National Journal

chart MUNCIE, Ind.—Johnny Whitmire shuts off his lawn mower and takes a long draw from a water bottle. He sloshes the liquid from cheek to cheek and squirts it between his work boots. He is sweating through his white T-shirt. His jeans are dirty. His middle-aged back hurts like hell. But the calf-high grass is cut, and the weeds are tamed at 1900 W. 10th St., a house that Whitmire and his family once called home. “I’ve decided to keep the place up,” he says, “because I hope to buy it back from the bank.”

Whitmire tells a familiar story of how public and private institutions derailed an American’s dream: In 2000, he bought the $40,000 house with no money down and a $620 monthly mortgage. He made every payment. Then, in the fall of 2010, his partially disabled wife lost her state job. “Governor [Mitch] Daniels slashed the budget, and they looked for any excuse to squeeze people out,” Whitmire says. “We got lost in that shuffle—cut adrift.” The Whitmires couldn’t make their payments anymore.

They applied for a trial loan-modification through an Obama administration program, and when it was granted, their monthly bill fell to $473.87. But, like nearly a million others, the modification was canceled. After charging the lower rate for three months, their mortgage lender reinstated the higher fee and billed the family $1,878.88 in back payments. Whitmire didn’t have that kind of cash and couldn’t get it, so he and his wife filed for bankruptcy. His attorney advised him to live in the house until the bank foreclosed, but “I don’t believe in a free lunch,” Whitmire says. He moved out, leaving the keys on the kitchen table. “I thought the bank should have them.”

A year later, City Hall sent him salt for his wounds: a $300 citation for tall grass at 1900 W. 10th St. Telling the story, he swipes dried grass from his jeans and shakes his head. “The city dinged me for tall weeds at my bank’s house.” After another pull from the water bottle, Whitmire kicks a steel-toed boot into the ground he once owned. “You can’t trust anybody or anything anymore.”

Whitmire is an angry man. He is among a group of voters most skeptical of President Obama: noncollege-educated white males. He feels betrayed—not just by Obama, who won his vote in 2008, but by the institutions that were supposed to protect him: his state, which laid off his wife; his government in Washington, which couldn’t rescue homeowners who had played by the rules; his bank, which failed to walk him through the correct paperwork or warn him about a potential mortgage hike; his city, which penalized him for somebody else’s error; and even his employer, a construction company he likes even though he got laid off. “I was middle class for 10 years, but it’s done,” Whitmire says. “I’ve lost my home. I live in a trailer now because of a mortgage company and an incompetent government.”

Whitmire is a story of Muncie, and Muncie is the story of America. In this place—dubbed “Middletown” by early 20th-century sociologists—people have lost faith in their institutions. Government, politics, corporations, the media, organized religion, organized labor, banks, businesses, and other mainstays of a healthy society are failing. It’s not just that the institutions are corrupt or broken; those clichés oversimplify an existential problem: With few notable exceptions, the nation’s onetime social pillars are ill-equipped for the 21st century. Most critically, they are failing to adapt quickly enough for a population buffeted by wrenching economic, technological, and demographic change.

Knock around Muncie for proof: City Hall, like Washington, is petty and polarized, driving down voter engagement. Stodgy mainline churches are losing worshipers in droves. Low-tech and unruly public schools are prompting parents to pull their children out. The city’s once-beloved business class shuttered its factories, leaving a legacy of double-digit unemployment and helplessness. Labor unions once credited with creating the middle class are now often blamed for the demise of industry. Even The Star Press, Muncie’s daily newspaper once venerated for holding locals to account, was gutted after a job-killing merger in 1996 and the sale, a few years later, to media giant Gannett.

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