Why can they not afford to live? Payday loans may be a factor in some instances. Better to have a small piece of policy that does some good than no policy at al

Why can they not afford to live? Payday loans may be a factor in some instances. Better to have a small piece of policy that does some good than no policy at all. Keep in mind Obama was limited by the GOP congress from 2011-2017, he couldn't have necessarily gotten larger steps through legislation. It's commonplace for modern presidents to try to fulfill their agenda via executive branches, as the other branches are often independent or adversarial.