F.D.R. called him “the forgotten man,” but that was long ago. By 1972, he was a member of the silent majority and had become a Democrat for Nixon (he wore a hard hat with an American-flag sticker). 1980 produced the Reagan Democrat (this time he came from Macomb County, Michigan, and was discovered by the pollster Stan Greenberg). By 1994 he had curdled into the Angry White Male (he elected the Gingrich Congress). In 2008, he was simply the working-class white—by then he was no longer forgotten, and no longer a Democrat of any kind; he was a member of the much-analyzed Republican base. The television godfather of the type, of course, is Archie Bunker, but you can also trace his lineage more darkly through the string of hard-bitten blue-collar movies that begins with “Joe” (Peter Boyle, 1970), goes on to “Falling Down” (Michael Douglas, 1993), “Gran Torino” (Clint Eastwood, 2008), and, in a rural context, “Winter’s Bone” (2010). He’s a descendant of the thirties Everyman played by Henry Fonda and Gary Cooper, except that in the intervening decades he lost his idealism and grew surly, if not violent, consumed with a hatred of hippies, immigrants, blacks, government, and, finally, himself.

This election year, he’s back and getting a lot of attention from sociologists and pundits (Charles Murray’s new book “Coming Apart: The State of White America, 1960-2010” sparked the current flurry of commentary). But in 2012 he’s no longer even working class. He’s fallen through the last restraints of decency and industriousness, down into the demoralized and pathological underclass that, in the past, Americans associated with the black poor. There, he lives on disability, is no longer fit for employment nor has any impulse to get a job, is divorced, fathers illegitimate children who grow up to do the same, gets hooked on meth or prescription drugs, does time in prison now and then, and has bad teeth.

Is it useful to make generalizations about whole classes of people? We all know the reasons why it’s not—they stoke prejudice, crush nuance, distort reality, are unkind and unfair. But just as it was wrong for a generation of liberals to reject Daniel Patrick Moynihan’s notorious 1965 report “The Negro Family: The Case for National Action,” it would be a mistake to dismiss the subject of Murray’s new book simply because it insults half of the Americans who weren’t already tarred by “The Bell Curve.” Murray has a talent for raising important questions on the way to arriving at invidious answers.

Perhaps the biggest political puzzle of our time is why, as the lives of working-class whites have descended from the stability and comfort of “All in the Family” to the chaos and despair of “Gran Torino” and “Winter’s Bone,” these same Americans have voted more and more reliably Republican. Sunday’s Times had a fascinating and disturbing lead story about the pattern of government dependency around the country. A map showing areas of greatest reliance on public benefits corresponds with weird exactness to the map of red America: the South, Appalachia, and rural areas in general.

In addition, reliance on the safety net has more than doubled in the past four decades. During the same period, median incomes in America have stagnated or declined.

The first fact goes to the heart of Murray’s books, from “Losing Ground” and “The Bell Curve” to “Coming Apart.” The second goes unnoticed. His persistent argument is that government programs do more harm than good and create a dependent class rather than alleviating hardship, because socio-economic differences are based on innate ability, not external circumstance. The white working-class has suffered a moral collapse caused in part by the sorting of society into rich and poor, with the traditional virtues surviving only among the former—not by an economic battering at the hands of globalization, technology, and corporate power. Inequality is a natural state, and people at the bottom of society should either resign themselves to their fate, or else revive themselves through a moral and spiritual reawakening (likely inspired by their betters) that will allow them to rise above the lousy hand dealt them by their brain power.

Visit most towns or rural areas where factories are boarded up and all the economic life is confined to strip malls, and you have to acknowledge the force of Murray’s picture. Rampant drug use, high dropout rates, out-of-wedlock births, epidemic obesity, every other working-age person on disability—it’s true even though Charles Murray says it’s true. And the predictable left-right argument over causes and solutions doesn’t help. Is it disappearing jobs, or disappearing values? This isn’t an analytical choice I find very useful. Jobs and values are intertwined: when one starts to go, the other is likely to go with it, and the circle becomes truly vicious. A textile factory moves south of the border, and a town loses its mainstay of employment. Former textile workers scurry to find fast-food and retail positions. The move from blue-collar to service work is brutal, and over time some employees lose the will to stick it out in a hateful job. Their children do even worse. Soon enough there are two or three generations of one family on government help, and kids grow up without a model of the work ethic. When a technology plant opens in the area (with a fifth the number of jobs as the textile factory), few locals are remotely qualified to work there. It’s a dismally familiar story—but is it a story of jobs or values? The obvious answer is both, which is why no one’s five-point solutions or three-word slogan is convincing.

In the Times story, there’s a man named Ki Gulbranson from a small Minnesota town called Chisago, both barely clinging to the middle class. He tries to make ends meet selling apparel and refereeing kids’ soccer games. All around him, he sees growing dependence on government. No fan of government spending, he joined the Tea Party in 2010; at the same time, he benefits from the Earned Income Tax Credit, free school breakfasts for his children, and Medicare for his mother. “I don’t demand that the government does this for me,” he said. “I don’t feel like I need the government.” Yet he finds it hard to imagine surviving without the safety net. “I don’t think so,” he said. “No. I don’t know. Not the way we expect to live as Americans.”

Gulbranson’s moment of hesitation contains a certain explanatory power. He doesn’t want to say that he can’t live without government. In places like Chisago, the old ethic of self-reliance is real and fierce. But it’s disintegrating under the pressure of several bad economic decades. People in Park Slope, Brooklyn and the north shore of Chicago don’t see their neighbors going on disability when they could work. But the more Gulbranson sees it, the more he resents the government. Perhaps he resents it most of all because he knows he needs it. That’s a political conundrum for both parties, but even more, it’s an American problem.