One of the real changes that I have seen recently (lets say after Y2K) is that the nature of home building sites has changed.
Back in the old days, I seem to remember that the home construction sites were populated with older trucks that folks considered their "work trucks". These beasts were held together with baling wire and bubble gum and served as a tool that helped them make money. I can't imagine that they had a monthly debt attached to them.
Now when you go by a construction site, the place looks like an annex of a car dealership that specializes in men who are compensating for something. Everything is extended cab, leather interiors are common, four years old is ancient.
Now, if my memory serves me correctly, one of the big reasons that the oldsters kept these beat up, paid off trucks was because they knew that work would be thin in the future. They didn't want the banks breathing down their necks at a later date. Now, I wonder how many of these truck that's are out on the few remaining job site are going to vanished from their owners driveway some Sunday morning, with the neighbors explaining it was a couple of men in coveralls