I do have answers, but they aren't comfortable or fashionable. I only have anecdotal experience, but all people I've met who complain they can't afford things a

I do have answers, but they aren't comfortable or fashionable. I only have anecdotal experience, but all people I've met who complain they can't afford things are well into the category I describe. Those impacted by the problem who are not guilty of falling into the category certainly do exist. Solutions their problems are tougher and have longer time lines.