You are speaking to someone who grew up poor and could never dream of spending even $500 on a car. This does not need to be explained to me. I don't claim to h

You are speaking to someone who grew up poor and could never dream of spending even $500 on a car. This does not need to be explained to me. I don't claim to have the solution. And neither am I asking anything of anyone in particular. I am simply staying the facts. It is a crisis situation to be in, and only by treating it as such can it be solved. This is not advice but fact. Perhaps an individual can do nothing about their situation. Their future light cone may be fixed, like the event horizon of a black hole. So it goes.