[Avicebron]

Absolutely, it's the system failing and predatory actors seeing a crisis they can exploit.

I was at the laundromat and a woman with kids was complaining across the room about how she only had $700.00 in her account. Note, she had a car, wasn't homeless, but this is actual reality for a huge number of people in the US.

[microgpt]

For me that would be a crisis. I always want to have at least a few thousands and then if something unexpected happens, that other people will go into a small debt for, I will just be able to spend the money and not go into debt. And it's not like it's hard to save up a few thousand dollars in a time frame of years, so I don't understand people who don't.

I think it may be that people grew up accustomed to having everything constantly taken away from them, so they learn not to save stuff.

[Avicebron]

> And it's not like it's hard to save up a few thousand dollars in a time frame of years, so I don't understand people who don't.

Seeing this as some sort of moral failing isn't the right way to look at it. It's possible that that this person could have done that, but it's also they they really may not have been able to, low wages, bad environment, health issues, all of these compound until "it's not hard to just" is a gross way to interpret their situation.