Undoubtedly there are a lot of people in unfavourable circumstances who simply cannot afford to save and blaming them on stupidity is pure arrogance. The real

Undoubtedly there are a lot of people in unfavourable circumstances who simply cannot afford to save and blaming them on stupidity is pure arrogance. The real "stupidity" which causes so many people to remain poor is depicted with that BMW guy in the article. It is about trying to maintain a lifestyle that is beyond your means.