[diminoten]

Non-poor people don't pay nearly as much interest as poor people, and as such, generally wouldn't even pay $4,150 for a $1,500 sofa even if they did decide to take out a loan to pay for it.

That's actually kind of the point of the whole article - that poor folks are unlike other people in that they have no way of mitigating their risk in the form of lump payments to creditors.