People in the equity class are concerned with financing decisions to arbitrage rate of return spreads. Arbitrating spreads is a game of spreadsheets and math.

People in the equity class are concerned with financing decisions to arbitrage rate of return spreads. Arbitrating spreads is a game of spreadsheets and math. People in the poverty class are concerned with budgeting decisions to reduce their consumption as much as humanly tolerable. Reducing consumption is a game of psychological warfare between your future self and your present self. The smart financial play is irrelevant to someone who needs to be making budgeting plays. Cheap credit leads to good financial decisions and bad budgeting decisions.