This ended up being longer than I intended, but we don’t talk much about the reality of class.
One way of differentiating between the working class (again, the 90% of the working population who depend on an earned wage to exist) and the underclass is this: The working class is exploited. The underclass has been discarded.
Conditions vary greatly for the working class – ranging from well-paid technical, trades, and various other types of skilled jobs on down to unskilled workers who make less than a “living wage”. For the last 50 years (starting around 1973) inflation, slow wage growth, off-shoring of jobs, and so on have made it more difficult for the working class. In the post WWII boom, 1 working adult was sufficient to support a family (say into the early 1960s). Then a second part or full time second adult was needed to earn what 1 worker previously could. A typical family is likely to have both parents working full time, and the older teenage children working some sort of part-time work.
Americans have tended to expect upward mobility, but in the last 3 decades, exceeding the income and social rank of one’s parents has become less likely. So, to make a long story short, it’s harder to get ahead.
Some people experience downward mobility – sometimes rapidly. Single parents, for instance, often lose economic standing, becoming poorer over time. It isn’t that single parents are irresponsible; it is that taking care of children is both expensive and requires unpaid time at home.
Millions of working class people are at risk of poverty; it only needs one major financial disaster (accident, medical, job loss, etc.) to drop out of “making ends meet” into “broke and in debt with no income”. If a family cannot get back on their financial feet fairly quickly, they may end up in the underclass.
Put an infant into a barely functional home; “educate” him at a barely functional school; have him live in a barely functional community, and that child will not find much success in life, regardless of how intelligent he may be, how good a person he would like to be. He’s screwed from the get go. He will almost certainly be a member of the underclass.
If only 10% of Americans, just to pick a low number, are members of the underclass., that’s 30 million people. Are they in the underclass because they were irresponsible, criminal, addicted, stupid, alcoholic, lazy…? Some, sure. But most people end up at the bottom because society doesn’t need their productive power. The official unemployment rate may be 3%. 4%, or whatever. But only people who show up at an office to claim benefits are officially unemployed. If you haven’t worked at all in the past, haven’t worked for a couple of years or more, earn money by working “under the table”, beg for money, or whatever, you are not unemployed – you just disappear from the statistics. How many people are in that boat? In better times, a rule of thumb was that the real number of jobless was about double the official rate. In bad times, it’s worse.
I don’t want to suggest that the underclass is by definition just a bunch of shiftless lazy parasites. Living in poverty actually requires a lot of sustained effort to keep body and soul together. It takes a kind of discipline to maintain the effort in the face of contempt, humiliation, and a lot of inconvenience. It’s a struggle.