I know this is curt, but it's the first thing that came to my mind as well. There's a threshold of what I can only describe as mundane misery past which it is v

I know this is curt, but it's the first thing that came to my mind as well. There's a threshold of what I can only describe as mundane misery past which it is very difficult psychologically and logistically to plan long-term, and tons of people are past that line. It is not a financial line. The majority instinct is to blame those people as personally irresponsible. But that is always unrealistic at scale. This problem in particular has progressed beyond easy answers at this point.