My activities cost my mom little to nothing. My first 2 kids activities often bumped up against what we could afford. For my last two, the cost was out of our r

My activities cost my mom little to nothing. My first 2 kids activities often bumped up against what we could afford. For my last two, the cost was out of our reach. We were deep into a trend and it increasingly divided families who could afford extracurriculars from those who can't. The apparent solution? Adding financing to that formula. In retrospect, it just heaps cruelty upon misfortune.