I was with that site until it compared the US budget to a household budget with a credit card. The average American family doesn't control the federal reserve or set interest rates and employs zero economists, so that seems like a dumb way to think about the problem.

I'll note that the US government, by design, does not control the Fed. International bankers control the Fed.

The Fed is appointed by the President. That's a heluva influence.

The chart shows what happened to the money generated by increased productivity.

The government spent it.

Out of the "how much is left over the subsistence budget" that has been growing since the Industrial Revolution started?