>wide availability of credit I think I know the intent of why this is on your list, but, honestly, my family members who are in a cycle of poverty are there in

>wide availability of credit I think I know the intent of why this is on your list, but, honestly, my family members who are in a cycle of poverty are there in no small part because of a cycle of debt. And I'm not talking about unavoidable debt like from a medical condition, but rather from debt from buying depreciating assets they cannot afford (cars, tvs, etc.) Widely available credit, IMO, makes the situation worse.