Then use your imagination and apply the hypothetical argument to other things. Another good modern example is the car. Imagine that you have $1800 in your bank

Then use your imagination and apply the hypothetical argument to other things. Another good modern example is the car. Imagine that you have $1800 in your bank account, you earn 8$/hr and your credit history is shot. Your options are either getting a predatory loan or dropping that $1800 on an old beater that breaks down every other week, bleeds oil and burns gas like crazy.