I agree that nowadays people have more and easy (by mobile smartphone) access to online services, like Grab and Tokopedia.A lot has changed since 2011. There were no online taxis or food delivery services. Life is completely different now.
Every country has upwardly mobile middle classes, I don't think Indonesia is any different from other countries.
In terms of clusters of houses, down in Bogor for example in some clusters more than half of the houses have been empty for over a decade, they never managed to sell them.
I don't agree that Indonesia is like any other country. First of all. the fore mentioned 'culture of gengsi' and the strong social pressure that comes from it to follow a particular consumption pattern in line with, in this case, middle class lifestyle, does not exist in -as far as I know- in Europe. Second, The Netherlands 78 procent of the working people belongs to the middle class, thus a very large group of people have comparable income.
The observation is that in Indonesia an over-consumption exists because of this gengsi culture. The shops, restaurants, car and motor dealers make it easy for consumers to buy e.g. with kredit and cicilan. The question however is for how long? There must be a limit for the debt in total, people can bear. And then the whole economy will collapse.
It would be interesting to do a research about how much debt the pseudo middle class and genuine middle class have and if it is possible to predict when the whole thing will collapse.
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