> I see no need to sugar-coat calling out poor decision making in any sphere. You can't help someone who consistently acts against their own best interests. At

> I see no need to sugar-coat calling out poor decision making in any sphere. You can't help someone who consistently acts against their own best interests. At least, not the way you want to help them. All you can do is try to be understanding and work to keep the worst outcomes from happening. We want a policy solution? We could fund more soup kitchens. We help the poor with government programs because the poor are desperate enough to actually use the programs. What are you going to do for the middle class? They're entirely too proud for handouts, but that's really the only thing government can do. They won't even go to church, the quintessential middle-class charity.