Which are we, Pottersville or Bedford Falls?

In It’s A Wonderful Life George Bailey learns that if he’d never been born his hometown would have turned from Bedford Falls into Pottersville.

So what has America become in the 60 years since the Frank Capra movie?

You sit around here and you spin your little webs and you think the whole world revolves around you and your money! Well, it doesn’t, Mister Potter! In the—in the whole vast configuration of things, I’d say, you were nothing but a scurvy little spider!