>Sorry-not-sorry, for assuming people are not idiots. Being uninformed (because a system is complex) and/or acting irrationally (because of financing stress) a

>Sorry-not-sorry, for assuming people are not idiots. Being uninformed (because a system is complex) and/or acting irrationally (because of financing stress) are not aptly described as "idiocy," which is a value judgement about individuals, not a description of those individuals information. >Either they have money to pay bills or they don't. It's not that complicated. The long term financial heath of individuals and families is complicated. Complicated by information asymmetry, financial uncertainly, and unscrupulous lenders who sell short-term solutions (like lending you money to buy a car that you have to drive to earn enough money to pay for the car -- and then dropping the rate at which you can earn to pay off the car). Usury laws exist, for example, not because people are "stupid," but because well-heeled companies can and do financially exploit people in bad positions. Basically, driving for Uber is a bad idea and almost always not worth it financially for the drivers. And yet people do it. Not because they are idiots, but because start-ups have been able to skirt hard-won labor protections and safety laws to exploit a group of ad-hoc workers, whose time would be better spent collecting welfare checks and gaining marketable skills to land a full time position.