That's because in most of the world, poor people aren't complete idiots. Luckily, in America's rich urban and suburban areas, a thing called "credit" has been

That's because in most of the world, poor people aren't complete idiots. Luckily, in America's rich urban and suburban areas, a thing called "credit" has been advanced, which performs the nigh-magical function of turning financially capable adults into complete idiots.