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Many people don’t have any financial role models in their lives, especially at young ages. It’s not like the school systems teach children about saving, and especially not in the more underfunded districts.

I’m much more inclined to blame maladaptive behaviors on systemic failures to educate people and to provide them opportunity than I am to blame individuals.

Sure, in every system with live agents there will be bad actors and those with poor behavior, but when the system is overrun with examples of this, perhaps it’s the system we should be looking at, not individuals.