[xena]

What about people whose life situations constantly rip money out of them and their pay is just fundamentally insufficient to cover their expenses?

[trophycase]

You're right. Some poor people have bad spending habits, and some have unfortunate life situations, and some have both.

[mlthoughts2018]

In fact, poor spending habits could be caused by a poor life situation.

[yermom]

nah, they should just work harder

[your-nanny]

Forgot your sarc tags