> Those small indulgences might be the only thing keeping people from giving up entirely. I might be sympathetic to that point of view... but then what about t

> Those small indulgences might be the only thing keeping people from giving up entirely. I might be sympathetic to that point of view... but then what about the 'indulgence' of keeping a rainy-day fund? You know, the one indulgence that OP fails to acknowledge in any way and even disparages, despite the fact that indulging in this gets rid of a major source of stress in a poor person's life? This is why you should save, even at strenuous cost. Because when you save, you do feel better.