Thanks for pointing this out, the wording from OP's post was a bit confusing to me. This was my retort, that it's not black-and-white that poor decisions were

Thanks for pointing this out, the wording from OP's post was a bit confusing to me. This was my retort, that it's not black-and-white that poor decisions were made and someone is now a missed paycheck away from living on the streets.