You easily discarded others' woes to some lack of self discipline. Rather than acknowledging how hard even one mistake in that condition could be. Miss out on a

You easily discarded others' woes to some lack of self discipline. Rather than acknowledging how hard even one mistake in that condition could be. Miss out on a loan, oh pay some exorbitant penalty etc. Cycle keeps on going. Rather than showing empathy you're saying that "it must be their fault they can't make it". Don't pretend to know everyone's story. And if you feel this strongly, why don't you make a paid browser product ? Half the people here won't even pay for it, let alone the world.