> Instead of buying a 20-pack of $necessary_product that costs $20 and will last for months, the lower class buy a 2-pack that costs $5 and lasts a couple weeks

> Instead of buying a 20-pack of $necessary_product that costs $20 and will last for months, the lower class buy a 2-pack that costs $5 and lasts a couple weeks Get together with your neighbors and buy a 20-pack? > the lower class have to buy their own uniforms or tools. Workers owning their own tools. Isn't it what Karl Marx dreamt of? > Instead of a 5% interest rate on their loan, they have a 25% interest rate. Don't use loans. Seriously. You either can afford something, or you can't. Buying a house is probably the only exception. I know in US culture it sounds almost as crazy as "don't own a car" or "don't watch TV", but that's entirely possible.